Air NZ Credit Cards in New Zealand

An Air NZ credit card allows you to collect Air New Zealand Airpoints while using your credit card for purchases. Compare Air New Zealand credit cards in NZ below. The current FASTEST earning Airpoints credit card is the Amex Airpoints platinum credit card.

Updated: 27 Nov, 2023

Compare Air NZ Credit Cards

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CardDescriptionPurchase Rate (p.a.)Balance TransferCash Rate (p.a.)Annual FeeInterest Free Days
The American Express Airpoints Platinum Card
The FASTEST Airpoints DollarTM earning Platinum credit card in NZ. Every $59 you spend earns you 1 Airpoints Dollar. This cards also comes with Complimentary Travel Insurance, Koru joining fee waiver and Two VIP Lounges with Priority Pass per year. CURRENT OFFER: Receive 300 bonus Airpoints Dollars™ when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only.22.95% p.a.N/A22.95% p.a.$195.0055 days
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No documents required to apply1

The American Express Airpoints Credit Card
Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and earn 1 Air New Zealand Airpoints Dollar for every $100 you spend. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only. 0% p.a. for 6 months then 22.95% p.a.N/A22.95% p.a.$0.0055 days
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No documents required to apply1

The American Express Platinum Card
Earn 2 Membership Rewards points per dollar spent on your Card. Plus, complimentary VIP Lounges with Priority Pass access. You and a guest can enjoy complimentary access to 1,400 Airport lounges across 140 countries. Receive 100,000 bonus Membership Rewards points when you apply online, are approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. There is also an annual Dining Credit of up to $300. You will get $150 back when you spend $150 or more, in one transaction, on your American Express Platinum Card at a participating restaurant. Valid twice a year.N/AN/A$2 per transaction$1250.00Up to 44 days
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No documents required to apply1

Air New Zealand Airpoints Low Fee Visa Credit Card
Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases.16.90% p.a.1.99% p.a. for 6 months16.90% p.a.$50.0044 days
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Westpac Hotpoints World MasterCard Credit Card
Earn 2 hotpoints for every $1 spent on your card up to (and including) $15,000 then 1 hotpoint for every $1 spent on your card each month. Plus Priority Pass lounge access to over 1,300 airport lounges around the world and overseas travel insurance for up to 120 days per round trip.16.95% p.a.0% for 6 months then 5.95% for life of balance transferred22.95% p.a.$285.0044 days
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Westpac Airpoints World MasterCard Credit Card
This card is a touch of everything including Airpoints, a relatively low interest rate of 16.95% and a balance transfer offer of 0% for 6 months then 5.95% for life of balance transferred16.95%0% for 6 months then 5.95% for life of balance transferred22.95%$310.0044 days
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BNZ Advantage Visa Platinum Credit Card
Spend $20 on eligible purchases and get 1 Fly Buys point or spend $1 and get 1.67 BNZ Points.18.95%N/A18.95%$90.0055 days
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ANZ Airpoints Visa Credit Card
Earn 1 Airpoints DollarTM for every $170 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card19.95%N/A19.95%$65.0044 days
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Westpac Airpoints MasterCard Credit Card
Earn 1 Airpoints Dollar for every $150 spent on the card plus 0% on balance transfer for 6 months then 5.95% p.a. for the life of the balance transferred20.95% p.a.0% for 6 months then 5.95% for life of balance transferred22.95% p.a.$70.0055 days
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Westpac Airpoints Platinum MasterCard Credit Card
Earn 1 Airpoints Dollar for every $110 spent on your card up to (and including) $7,000 then 1 Airpoints Dollar for every $220 spent on your card each month plus get 0% on balance transferred for 6 months then 5.95% for the life of the balance transferred20.95% p.a.0% for 6 months then 5.95% for life of balance transferred22.95% p.a.$125.0044 days
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Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card
Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases.20.95%1.99% p.a. for 6 months20.95%$180.0044 days
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Air NZ credit cards FAQs

Below are some of the common questions we get about Air NZ credit cards.

  1. What is an Air NZ Credit Card?
  2. Should I Apply for an Air NZ Credit Card?
  3. When is an Air NZ Credit Card NOT Suitable for Me?
  4. Are there Any Hidden Fees or Surprises with Air New Zealand Credit Cards?
  5. Are there Any Air New Zealand Credit Cards with Low interest rates?
  6. What is the best Air NZ Credit Card?
  7. How do I Apply for an Air NZ Credit Card?

1. What is an Air NZ Credit Card?

Air New Zealand credit cards are credit cards that allow you to accumulate Air New Zealand Airpoints by using your credit card for purchases. You can use airpoints earned not just to buy flights and upgrades with Air New Zealand, but to also book rental cars with Air New Zealand partners and to buy a range of items at the Airpoints store. And because each Air NZ Airpoint is equivalent to $1 NZD it is simple and easy to understand unlike many other credit card reward schemes.

Air New Zealand Airpoints credit cards are issued by the likes of Kiwibank, Amex, ANZ bank and more.

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2. Should I Apply for an Air NZ Credit Card?

An Air NZ credit card might be suitable for you if you want to accumulate Airpoints and can afford to pay off your credit card debt each billing period.

Some top tier Air NZ credit cards might even offer other benefits such as free airport lounge access and travel insurance. It is worth also considering these extra benefits and the annual fee of the card when trying to decide if an Air NZ credit card is right for you.

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3. When is an Air NZ Credit Card NOT Suitable for Me?

An Air NZ credit card might not be suitable for you if you cannot afford to pay off your credit card debt before each billing cycle as the Airpoints you earn might not be enough to offset the interest charged.

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4. Are there any hidden fees or surprises with Air New Zealand credit cards?

Almost all Air NZ credit cards charge an annual fee, but this is usually stated upfront so shouldn’t come as a surprise. Also like most credit cards, a minimum repayment amount is likely to apply if you carry a balance on your card and failure to make this minimum repayment for each billing cycle is likely to attract a penalty fee.

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5. Are there any Air New Zealand credit cards with low interest rates?

Some Air NZ credit cards might have lower than normal purchase rates, but you could find lower interest rate credit cards with no reward component on our Low Rate Credit Card page.

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6. What is the best Air NZ Credit Card?

The best Air Credit Card is subjective and depends on your needs. We have made it easy for you to compare all Air New Zealand Credit Cards on this page to find the best Air NZ Credit Card to suit your needs.

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7. How do I Apply for an Air NZ Credit Card?

Once you have found an Air NZ Credit Card that you like, simply click on the “Go to site” or “Apply Now” button to go the credit card provider’s website to review the card details again and apply online. In most cases, the whole process can be completed online easily.

What is the best Air NZ credit card in NZ?

The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in New Zealand to help you find the best credit card in NZ to suit your individual needs. Alternatively, you can narrow down your search by credit card type such as interest free credit card, low rate credit card, balance transfer, credit card reward or air nz credit card

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