With several Airpoints credit card options available across different banks and card providers, we’ve put together a list of the top Airpoints credit cards in New Zealand for 2025, each offering unique features to suit a range of spending habits and travel goals.
Best Airpoints Credit Cards in 2005
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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 | This card is the FASTEST Airpoints DollarTM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply. 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
No documents required to apply1 |
 The American Express Airpoints Credit Card | 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
No documents required to apply1 |
 Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card | Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.50 cash equivalent^. | 16.90% p.a. | 1.99% p.a. for 6 months | 16.90% p.a. | $50.00 | 44 days |
 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 5.95% for life of balance transferred. It also comes with Priority Pass lounge access to over 1,500 airport lounges around the world. Reward Points Cash Equivalent: $100 spend earns $1.05 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.52 cash equivalent (for over $15,000 spend)^. | 16.95% | 5.95% for life of balance transferred | 22.95% | $310.00 | 44 days |
 Westpac Airpoints MasterCard Credit Card | Earn 1 Airpoints Dollar for every $150 spent on eligible purchases on your card up to (and including) $3,500 then 1 Airpoints Dollar for every $300 spent on your card each month. plus 5.95% p.a. for the life of the balance transferred to this card. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.33 cash equivalent (for over $3,500 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days |
 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 5.95% for the life of the balance transferred. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.45 cash equivalent (for over $7,000 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $125.00 | 44 days |
 ANZ Airpoints Visa Credit Card | Earn 1 Airpoints DollarTM for every $170 dollars you spend on eligible purchase with the ANZ Airpoint Visa Card. Reward Points Cash Equivalent: $100 spend earns $0.58 cash equivalent^. | 20.95% | N/A | 20.95% | $65.00 | 44 days |
 Westpac Airpoints Business Mastercard Credit Card | The Westpac Airpoints Business Mastercard is a business rewards credit card that allows you to earn 1 Airpoints Dollar for every $85 on eligible business spend, plus it comes with other benefits such as Up to 35 days of overseas travel insurance, purchase protection of up to 90 days, discount on 12-month Air New Zealand koru membership, extended warranty on purchases, and you earn one Status Point for every $225 you spend on eligible purchases. | 20.95% | N/A | 22.95% | $145.00 | 44 days |
 Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card | Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases. This card also comes with complimentary overseas travel insurance for you and your immediate family travelling with you for up to 40 days. Reward Points Cash Equivalent: $100 spend earns $0.64 cash equivalent^. | 20.95% | 1.99% p.a. for 6 months | 20.95% | $180.00 | 44 days |
 ANZ Visa Business Airpoints credit card | 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). | 20.95% | N/A | 20.95% | $145.00 | 44 days |
^ 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.
Why Choose an Airpoints Credit Card?
Airpoints credit cards are a popular way for New Zealanders to earn rewards on everyday spending. These cards are linked to the Air New Zealand Airpoints programme, allowing cardholders to accumulate Airpoints Dollars with every eligible purchase. Whether you’re a frequent flyer, an occasional traveller, or simply someone who enjoys getting value back from their purchases, an Airpoints credit card can offer significant benefits.
Unlike generic rewards cards, Airpoints credit cards are specifically designed to align with the travel and lifestyle preferences of New Zealand consumers. This makes them particularly valuable for those who fly with Air New Zealand or shop with Airpoints retail partners.
Key Features of Airpoints Credit Cards
While different banks and card providers offer a variety of Airpoints credit cards, they tend to share several common features that enhance their appeal:
- Airpoints Earning Potential: Cardholders earn Airpoints Dollars based on their spending. The earn rate varies by card and can be higher for premium cards. These points can be used for flights, seat upgrades, rental cars, or products through the Airpoints Store.
- Sign-Up Bonuses: Many Airpoints credit cards come with generous welcome offers, such as bonus Airpoints Dollars or fee waivers for the first year. These incentives can provide great initial value if you meet the minimum spend requirement.
- Travel Benefits: Premium Airpoints cards often include perks like complimentary overseas travel insurance, access to airport lounges, and additional protection for travel delays or cancellations. These benefits can significantly improve your travel experience.
- Access to Partner Rewards: You can earn extra Airpoints Dollars when shopping with Air New Zealand’s partner brands and retailers. Some cards also offer bonus points for spending on flights or travel-related categories.
- Additional Cardholder Features: Some cards allow you to pool Airpoints Dollars within your household, add supplementary cardholders, or take advantage of budgeting tools and expense tracking apps.
Are Airpoints Credit Cards Right for You?
Choosing an Airpoints credit card depends on your personal spending habits and travel goals. If you fly regularly with Air New Zealand or make frequent purchases at Airpoints-partnered stores, these cards can offer excellent value.
However, even occasional travellers can benefit—especially if the card comes with travel insurance, purchase protection, or a no-fee introductory period. It’s also worth considering how much you spend monthly, as cards with higher annual fees tend to offer better earn rates and rewards.
Making the Most of Your Airpoints Card
To maximise the value of your Airpoints credit card, consider the following tips:
- Use your card for most eligible everyday purchases, such as groceries, fuel, and dining.
- Pay your balance in full each month to avoid interest charges and keep the net rewards value high.
- Take advantage of bonus partner offers and promotional deals available through the Airpoints programme.
- Link your Airpoints number to relevant travel or shopping services to accumulate points faster.
- Plan your redemptions strategically—flights and upgrades often provide the best value per Airpoints Dollar.
FAQs
- What are Airpoints Dollars worth?
- Each Airpoints Dollar is generally worth NZD $1 when redeemed on Air New Zealand flights or upgrades, though value may vary for other redemption options.
- Can I use Airpoints for things other than flights?
- Yes. Airpoints Dollars can be used on car hire, retail purchases through the Airpoints Store, Koru membership fees, and even charity donations.
- Is there a minimum spend to earn Airpoints?
- Most Airpoints credit cards do not have a minimum spend requirement to earn points, though sign-up bonuses often require a certain spend within a set timeframe.
- Do Airpoints Dollars expire?
- Yes, Airpoints Dollars expire four years after you earn them. Make sure to redeem them before they lapse.
For more information and tips to help you choose the best credit card in NZ, visit our website Credit Cards Compare.