Amex Credit Cards – Review Amex Credit Cards before Applying

American Express Credit Cards (also known as Amex Credit Cards) are known for offering generous rewards and perks, and oustanding service to their customers. Their variety of cards range from entry level cards to ultra-premium cards.

We’ve compiled a list of Amex Credit Cards to help you choose the best Amex credit card to suit your needs. We have included the key information you need to help you make an informed decision. Use the credit card comparison table below to compare and find the right Amex credit card for you.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.

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Updated: 20 May, 2025

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American Express Credit Cards

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
The American Express Airpoints Platinum Card Platinum Award (Personal)	This card is the FASTEST Airpoints DollarTM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. CURRENT OFFER: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025. Other benefits include: Complimentary Travel Insurance for domestic and international travel, waived Koru joining fee, Koru annual fee discount of $145, Two VIP Lounges access with Priority Pass per year and more. Reward Points Cash Equivalent: $100 spend earns $1.42 cash equivalent^.	22.95% p.a.	N/A	22.95% p.a.	$195.00	55 days More Info » Apply Now » No documents required to apply1
The American Express Airpoints Credit Card Platinum Award (Personal)	With this card you get Interest Free (0% P.A.) on purchases for the first 6 months, plus NO ANNUAL FEE and you 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. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^.	0% p.a. for 6 months then 22.95% p.a.	N/A	22.95% p.a.	$0.00	55 days More Info » Apply Now » No documents required to apply1
American Express Gold Business Credit Card Platinum Award (Business)	The American Express Gold Business Card is a rewards business credit card that also comes with complimentary travel insurance, business trip completion cover and transport accident cover. You earn 2 Membership Rewards points for every $1 dollar spent on your card until 31 August 2025 and then it reverts to 1 Membership Rewards point per $1 spent thereafter. CURRENT OFFER: Receive 50,000 Bonus Membership Rewards® Points (*Min spend $1k in first 3 months. T&Cs apply. New Amex Card Members only).	N/A	N/A	N/A	$95.00	Up to 50 cash flow days More Info » Apply Now » No documents required to apply1
American Express Business Credit Card Gold Award (Business)	The American Express Business Card is a rewards business credit card that allows you to earn 1 Membership Rewards points for every $1 dollar spent on your card. With the Amex Business Credit Card you also get Transport Accident Cover and up to 50 days to pay for purchases. It charges $55 annual fee and $40 p.a. employee card fee (an annual Membership Rewards fee of $50 applies for each extra employee card).	N/A	N/A	N/A	$55.00	Up to 50 cash flow days More Info » Apply Now » No documents required to apply1
Amex Low Rate Credit Card Gold Award (Personal)	A low interest card from Amex with up to 4 supplementary cards with no-annual fee	2.99% p.a. for 6 months then 12.69% p.a.	N/A	21.95% p.a.	$59.00	55 days More Info » Apply Now »
The American Express Gold Rewards Credit Card Platinum Award (Personal)	Amex's FASTEST earn rate credit card in NZ. Get 2 points per $1 spent with this award-winning Membership Rewards programme. CURRENT OFFER: Get $200 back* (Statement Credit). *Apply online, be approved and spend $1,500 on your new Card within the first 3 months. New Card Members only. T&Cs apply. Reward Points Cash Equivalent: $100 spend earns $1.25 cash equivalent^.	22.95% p.a.	N/A	22.95% p.a.	$200.00	55 days More Info » Apply Now » No documents required to apply1

^ 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 you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.

More Info »

*Terms and conditions apply

About Amex Credit Cards

Amex range of credit cards includes low interest credit cards, rewards credit cards, balance transfer credit cards, no-annual fee credit cards, credit card sign up bonus, Airpoints credit card and more. Use the credit card comparison table above to compare and find the best American express credit card to suit your needs.

To apply for an Amex credit card, simply click on the “Apply Now” button to review the details before applying. For more information about a specific card on our site, click on the “more info” link.

Use the links below to narrow down your search. Alternatively, you can use our credit card finder tool to search for the best credit card to suit your needs.

Quick Links

• Amex Balance Transfer Credit Cards
• Amex Low Interest rate Credit Cards
• Amex Rewards Credit Cards
• Amex No-annual Fee Credit Cards

About Amex in New Zealand

In New Zealand, American Express (Amex) credit cards are widely accepted at major retailers and chains. Amex first established in NZ in 1976 and you can now use your Amex card at popular supermarkets like Wooworths, New World, and PAK’n’ SAVE. Additionally, most petrol stations and airline websites also accept Amex. This makes it convenient for everyday purchases and travel bookings.

Local Businesses

These days it is unsual to find businesses that do not accept Amex but you might still encounter a handful of smaller, independent businesses that do not accept it but the number of small businesses accepting Amex is steadily increasing.

Online Shopping

For online shopping, Amex is a reliable option. Many online booking sites such as Expedia, Hotels.com, and Wotif.com accept Amex. Additionally, you can use your Amex card for services like Uber and at duty-free shops such as JR Duty Free. This makes it easy to manage your travel and shopping needs online.

Benefits of Using Amex in New Zealand

Rewards and Points

When you use an American Express card in New Zealand, you can earn rewards and points on your purchases. These points can be redeemed for various items, including travel, shopping, and dining experiences. The more you use your card, the more points you accumulate, making it a great way to get extra value from your everyday spending. Amex also offers some of the best airpoints credit cards

Amex Travel Perks

American Express offers several travel perks for cardholders in New Zealand. These include access to exclusive airport lounges, travel insurance, and special travel deals. Whether you are traveling domestically or internationally, having an Amex card can make your journey more comfortable and enjoyable.

Purchase Protection

One of the significant benefits of using an Amex card is the purchase protection it offers. This means that if an item you buy with your card is damaged or stolen within a certain period, American Express may cover the cost of repair or replacement. This added layer of security can give you peace of mind when making significant purchases.

How to Apply for an Amex Card in New Zealand

To be eligible for an American Express card in New Zealand, you must meet the following criteria:

• Be at least 18 years old
• Have the right to work in New Zealand
• Have no history of bad debt or payment default

Applying for an Amex card is straightforward. Follow these steps:

1. Visit the American Express New Zealand website.
2. Choose the card that best suits your needs.
3. Fill out the online application form. You will need your New Zealand driver’s license (if you have one) and other personal information.
4. Submit the application and wait for a response.

After submitting your application, the approval process usually takes a few business days. You will be notified via email about the status of your application. If approved, your card will be mailed to you within 7-10 business days.

Amex Card Member Benefits in New Zealand

Exclusive Experiences

As an Amex card member in New Zealand, you gain access to unique events and experiences. These can range from early ticket sales for concerts to special dining events. Your card can open doors to exclusive opportunities that are not available to the general public.

Customer Service

Amex is known for its top-notch customer service. Whether you need help with your account or have questions about your benefits, their support team is available 24/7. You can reach them by phone, email, or through their online chat service.

Insurance Options

Your Amex card comes with various insurance benefits. These can include travel insurance, purchase protection, and extended warranty coverage. These insurance options provide peace of mind, knowing that you are protected in different situations.

Managing Your Amex Account in New Zealand

Online Account Access

Managing your Amex account online is simple and convenient. You can view your statements, pay your bills, and track your spending all from one place. To get started, register for online services on the American Express New Zealand website. Once registered, you can log in anytime to manage your account.

Mobile App Features

The Amex mobile app offers a range of features to help you manage your account on the go. You can check your balance, view recent transactions, and even make payments directly from your phone. The app also provides alerts for payment due dates and suspicious activity, ensuring you stay on top of your finances.

Customer Support

American Express offers excellent customer support for its card members in New Zealand. If you have any questions or issues with your account, you can contact their customer service team via phone or email. They are available 24/7 to assist you with any concerns, from lost cards to billing inquiries.

Business Solutions with Amex in New Zealand

Small Business Services

American Express offers a range of services tailored for small businesses in New Zealand. These services are designed to help you manage your finances more effectively and grow your business. You can benefit from features like expense management tools, detailed spending reports, and flexible payment options. Additionally, Amex provides access to exclusive business offers and savings on essential services.

Corporate Cards

For larger businesses, Amex provides corporate card solutions that streamline expense management and improve cash flow. These cards come with features such as detailed reporting, spending controls, and the ability to integrate with your existing financial systems. Corporate cards also offer rewards programs that can help your business save on travel, office supplies, and more.

Merchant Services

Amex’s merchant services make it easy for businesses to accept American Express cards, both online and in-store. By becoming an Amex-accepting merchant, you can attract a broader customer base and potentially increase your sales. The application process is straightforward, and Amex provides ongoing support to help you get the most out of their services. You will also have access to marketing tools and resources to help promote your business to Amex cardholders.

Traveling with Amex in New Zealand

Travel Insurance

When you pay for your return travel with an American Express card, you can enjoy a range of travel insurance benefits. This includes coverage for trip cancellations, lost luggage, and medical emergencies. Make sure to check the specific terms and conditions of your card to understand the full extent of your coverage.

Airport Lounge Access

As an Amex cardholder, you can relax in style at various airport lounges. These lounges offer comfortable seating, complimentary refreshments, and free Wi-Fi. Access to these lounges can make your travel experience more enjoyable and less stressful.

Global Assistance

Traveling abroad can be daunting, but with Amex’s global assistance, you have support wherever you go. This service provides help with medical and legal emergencies, as well as travel and document assistance. Knowing you have this support can give you peace of mind during your travels.

Frequently Asked Questions

Where can I use my Amex card in New Zealand?

You can use your Amex card at major retailers, local businesses, and even online stores in New Zealand.

What rewards do I get with an Amex card in New Zealand?

Amex cards offer great rewards like points for every dollar spent, travel perks, and purchase protection.

How do I apply for an Amex card in New Zealand?

To apply, you need to meet the eligibility requirements and complete an online application. Approval times can vary.

What special benefits do Amex card members get in New Zealand?

Card members enjoy exclusive experiences, top-notch customer service, and various insurance options.

How can I manage my Amex account in New Zealand?

You can manage your account online or through the Amex mobile app. Customer support is also available if you need help.

What business solutions does Amex offer in New Zealand?

Amex provides services for small businesses, corporate cards, and merchant services to help businesses grow.