ANZ Visa Business Airpoints credit card

Gold Award

The ANZ Visa Business Airpoints credit card is a rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 dollars you spend on eligible business purchases or 1 Airpoints Dollar per $50 of spend directly with Air New Zealand (for the first $25,000 spent directly with Air New Zealand per business per annum). It charges an annual fee of $145 and has a purchase rate of 20.95% p.a. The ANZ Airpoints Visa Credit Card might be suitable for those who want to collect Airpoints rewards.

It might help to compare all the Airpoints credit cards available on our website before you decide which credit card that earns Airpoints to get.

Rewards Points Cash Equivalent

$100 spend earns you $1.176 cash equivalent^.

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases reward points cannot be redeemed for cash directly. See below to find out how the estimate was calculated.

Points Cash Equivalence Calculation

If 1 Airpoints Dollar = $1 NZD and $85 spend earns you 1 Airpoints Dollar then $100 spend earns you (100/85) = 1.176 Airponts or $1.176 cash-equivalent.

Key Features

Purchase Rate: 20.95%
Cash Advance Rate: 20.95%
Balance Transfer: N/A
Annual Fee: $145.00
Interest Free Days: 44 days
Minimum Repayment:
Card Reward Details: Earn 1 Airpoints Dollar for every $85 dollars you spend on eligible business purchases or 1 Airpoints Dollar per $50 of spend directly with Air New Zealand (for the first $25,000 spent directly with Air New Zealand per business per annum).
Credit Limit:
Other Fees: Joint or additional card fee of $5

IMPORTANT NOTE: please review the credit card details on the provider's website again before applying.

ANZ Visa Business Airpoints credit card Review

Pros and Cons

We've compiled below the pros and cons of the ANZ Visa Business Airpoints credit card to help you decide.

Pros

Earn Airpoints
Earn Air New Zealand status points
Your Airpoints Dollars never expire

Cons

Not the best Airpoints earn rate in the market
Annual Fee
Note: not all Airpoints credit cards charge an annual fee. For example, the Amex Airpoints credit card does not charge an annual fee and offers a better Airpoints earn rate.
Limited Benefits

What we like about the ANZ Visa Business Airpoints Card

Airpoints Earning Potential

With the ANZ Visa Business Airpoints Credit Card, you can earn Airpoints Dollars™ on every purchase you make. This means that your everyday spending can help you get closer to your next holiday. The more you use your card, the more Airpoints Dollars™ you accumulate, which can be redeemed for flights, upgrades, and other travel-related expenses.

Earn Air New Zealand status points

Your nominated business owner will earn 50% bonus Status Points on top of the Status Points you earn on qualifying flights with Air New Zealand flights

Drawbacks of the ANZ Airpoints™ Visa Credit Card

Annual Fees

One of the main drawbacks of the ANZ Airpoints™ Visa Credit Card is the annual fee. It's important to weigh the benefits against the annual fee to determine if the card is worth it for your specific needs.

Limited Reward Redemption Options

The ANZ Visa Business Airpoints credit card also has limited reward redemption options. While you can earn Airpoints™, the ways you can use them are somewhat restricted. This can be frustrating if you prefer more flexibility in how you redeem your rewards. Make sure to review the redemption options to ensure they align with your travel and spending habits.

Limited Benefits

Other rewards credit cards offer reward points as well as other benefits such as complimentary travel insurance and purchase protection which this card lacks.

Is the ANZ Airpoints Visa Right for me?

The ANZ Visa Business Airpoints credit card might be suitable for you if you want to earn Airpoints and the value of the airpoints outweighs the cost of the annual fee. In general, we recommend comparing all credit cards on our website to help you make an informed decision.

Frequently Asked Questions

How old do I need to be to apply for the ANZ Visa Business Airpoints credit card?

You need to be at least 18 years old to apply for the ANZ Visa Business Airpoints credit card.

What credit score do I need to be approved for the ANZ Visa Business Airpoints credit card?

A good credit score is recommended to increase your chances of being approved for the ANZ Visa Business Airpoints credit card.

What are the annual fees for the ANZ Visa Business Airpoints credit card?

The annual fee for the ANZ Visa Business Airpoints credit card is $145.

Can I earn Airpoints with every purchase using the ANZ Visa Business Airpoints credit card?

Yes, you can earn Airpoints™ with every eligible purchase made using the ANZ Visa Business Airpoints credit card.

Does the ANZ Visa Business Airpoints credit card offer travel insurance?

No, the ANZ Visa Business Airpoints credit card does not offer complimentary travel insurance for eligible trips.

Eligibility Requirements:

Your eligibility for this card would depend on a few criteria listed below. When you apply for the card, ANZ would ask you a few questions about these criteria to determine your eligibility.

Income
Expenses
Debts
Assets
Savings
Investments

**You have to be a New Zealand permanent resident, and have a good credit history to apply for a ANZ Credit Card.

Documents:

In general the following documents are usually required for credit card applications.

Proof of Income

One of the following:

your most recent payslip or salary notice
copies of bank statements that show your pay or salary deposits
a letter from your employer confirming your income
an Inland Revenue Department (IRD) “summary of earnings” notice.

If you’re self-employed, you must supply:

signed financial statements for the past two years
a signed personal Statement of Financial Position
your personal tax return.

Proof of Identity:

A copy of one or two items from List 1. If you provide only one item from List 1, you must also provide one item from List 2.

List 1:

Current passport
New Zealand drivers licence
18+ card
Photo Credit Card

List 2:

Most recent bank statement
Debit card
Credit card
Community services card
Club or society card.

Are you interested in a rewards credit card? Compare ALL Rewards credit cards on our rewards credit cards page.

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What is the best credit card in New Zealand?

We've been asked this question a lot so we have compiled our pick of the best credit card in NZ but keep in mind that the best credit card for you depends on your personal circumstance and needs. To find the best credit card for you, we recommend that you compare all credit cards in NZ on our website or narrow down your search by popular credit card types as shown below. Use the top menu of the page to select more credit card types.