If you are looking for a credit card that is suitable for family travel, then you have come to the right place. All the credit cards listed below are suitable for frequent travellers but only the top few credit cards that offer travel insurance for your whole family made our top list.
Key takeaways about family travel credit cards
The American Express Gold Credit Card is our pick of the best credit card for family travel because it offers both domestic and overseas travel insurance for you, your spouse and your dependent children under the age of 23 for up to 180 days of travel when you book and pay for your return trip with your Card.
The runner up is the Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card which offers overseas only travel insurance for you and your immediate family for up to 40 days.
Note: The American Express Gold Credit Card and the Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card are the only two credit cards that offer travel insurance for the whole family at the time of this writing.
Updated: 4 Dec, 2024
Best Family Travel Credit Card
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| Card | Description | Purchase Rate (p.a.) | Balance Transfer | Cash Rate (p.a.) | Annual Fee | Interest Free Days |
|---|---|---|---|---|---|---|
 The American Express Gold Rewards Credit Card | 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
No documents required to apply1 |
 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 |
 The American Express Airpoints Platinum Card | The FASTEST Airpoints DollarTM earning Platinum Credit Card in NZ. Every $70 you spend earns you 1 Airpoints Dollar. This cards also comes with:
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 |
 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 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 1,500 airport lounges around the world and overseas travel insurance for up to 120 days per round trip. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent (for up to $15,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $15,000 spend)^. | 16.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $285.00 | 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 |
 BNZ Advantage Visa Platinum Credit Card | Spend $1 and get 1.67 BNZ Points. The BNZ Advantage Platinum Visa Card also comes with a 90 days platinum International Leisure Travel Insurance and Domestic rental and vehicle excess insurance. Reward Points Cash Equivalent: $100 spend earns $1.11 cash equivalent^. | 18.95% | N/A | 18.95% | $90.00 | 55 days |
 ASB Visa Platinum Rewards Credit Card | Choose between True Rewards or Everyday Rewards points. Earn 1 True Rewards Dollar for every $100 you spend or 1 Everyday Rewards point for every $1 spent on your ASB card. This card also comes with travel insurance for you, your spouse and your dependent children. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent in True Rewards points^. | 19.95% | 0% p.a. for 6 months | 22.95% | $80.00 | 55 days |
 Westpac Hotpoints MasterCard Credit Card | Earn 1 hotpoint for every $1 spent on your card up to (and including) $3,500 then 0.5 hotpoints for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.55 cash equivalent (for up to $3,500 spend)^. $100 spend earns $0.27 cash equivalent (for over $3,500 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $40.00 | 55 days |
 Westpac Hotpoints Platinum MasterCard Credit Card | Earn 1.5 hotpoints for every $1 spent on your card up to (and including) $7,000 then 1 hotpoint for every $1 spent on your card each month. Reward Points Cash Equivalent: $100 spend earns $0.83 cash equivalent (for up to $7,000 spend)^. $100 spend earns $0.55 cash equivalent (for over $7,000 spend)^. | 20.95% p.a. | 5.95% for life of balance transferred | 22.95% p.a. | $70.00 | 55 days |
 TSB Platinum Mastercard Credit Card | Earn $1 cashback on every $100 spent on eligible purchases. Plus a range of insurance. Reward Points Cash Equivalent: $100 spend earns $1.00 cash equivalent^. | 20.95% | N/A | 22.95% | $90.00 | 55 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 |
 ANZ Airpoints Visa Platinum Credit Card | Earn 1 Airpoints Dollar for every $110 you spend on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.90 cash equivalent^. | 20.95% | N/A | 20.95% | $150.00 | 44 days |
 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. 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 |
 Flight Centre Mastercard Credit Card | Earn 1.5 Flight Centre Reward for every NZ$100 you spend on a Purchase and 3 Flight Centre Reward points if purchased from Flight Centre. Flight Centre Mastercards has a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. This card charge no foreign transaction fees. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases. Reward Points Cash Equivalent: $100 spend earns $0.66 cash equivalent^. | 24.99% | N/A | 26.99% | $50.00 | Up to 44 days |
Choosing the right travel credit card for your family can make a big difference in how much you save and enjoy your trips. With so many options available it’s important to understand your family’s unique travel needs and find a card that offers the best rewards and benefits. This guide will help you navigate through the process, ensuring you pick a card that suits your family’s travel habits and preferences.
What to consider:
- Assess your family’s travel habits to find the best card for your needs.
- Look for cards that offer great rewards on your most common expenses.
- Consider the insurance and protections that come with the card especially travel insurance.
- Compare different cards to find the best features for your family.
- Keep track of your rewards and use them wisely to save on family trips.
Understanding your family’s travel needs
Assessing travel frequency and destinations
To choose the right credit card for family travel, start by understanding how often your family travels and where you like to go. Knowing your travel habits helps you pick a card that offers the best rewards for your needs. Consider the following:
- How many trips do you take each year?
- What are your favourite destinations?
- Do you prefer domestic or international travel?
Considering accommodation preferences
Families often need specific types of accommodation. Think about what works best for your family:
- Do you need multiple rooms or a suite?
- Are you looking for hotels with family-friendly amenities?
- Would you prefer vacation rentals or traditional hotels?
Evaluating travel-related expenses
When planning your travel, consider all the costs involved. This includes:
- Flights
- Accommodation
- Food and activities
- Transportation
Understanding your family’s travel needs is important for selecting the best credit card. This ensures you maximise rewards and benefits tailored to your travel style.
Key Features to look for in a Travel Credit Card
When selecting a travel credit card, it’s essential to consider features that align with your family’s travel habits and needs. Here are some key aspects to keep in mind:
Reward Points and Redemption Options
- Look for cards that offer high reward points for travel-related purchases.
- Check if the points can be redeemed for flights, hotels, or other travel expenses.
- Some cards may have better redemption options for specific destinations.
Travel Insurance and Protections
- Ensure the card includes travel insurance that can cover your whole family if you don’t already have travel insurance. Travel insurance can cover:
- Lost luggage
- Trip cancellations
- Medical emergencies while travelling
- Travel insurance is one of the most sort after feature of travel credit cards as it can potentially save you a lot of money on paying for standard travel insurance for each member of your family.
Annual Fees and Interest Rates
- Compare annual fees across different cards. Some may have no fees, while others might charge for added benefits.
- Consider the interest rates if you plan to carry a balance. Lower rates can save you money in the long run.
Choosing the right travel credit card can significantly enhance your family’s travel experience. Make sure to evaluate your spending habits and travel preferences to find the best fit.
Maximising Rewards for Family Travel
Choosing Cards with High Reward Rates
When selecting a credit card for family travel, look for cards that offer high reward rates on your everyday spending. Here are some tips:
- Choose cards that provide extra points for travel-related purchases.
- Consider cards that give bonus points for groceries, as this is a common family expense.
- Look for cards that allow you to earn points on all purchases, not just specific categories.
Utilising Sign-Up Bonuses
Many travel credit cards offer sign-up bonuses that can significantly boost your points balance. To make the most of these offers:
- Research cards with the highest sign-up bonuses.
- Ensure you can meet the spending requirement within the specified time frame.
- Use the card for planned expenses to easily reach the bonus threshold.
Strategic Spending to Earn Points
To maximise your rewards, consider these strategies:
- Use your travel credit card for all family expenses, including groceries and bills.
- Pay for larger expenses, like vacations or school fees, with your card to earn more points.
- Keep track of bonus categories that change quarterly or annually to optimise your spending.
By being strategic with your spending, you can turn everyday purchases into valuable travel rewards for your family.
Comparing Popular Travel Credit Cards
When it comes to choosing a travel credit card, it’s important to compare your options. Above are some credit cards to consider but you can also compares all NZ credit cards on our home page.
Best Cards for Specific Travel Needs
- For Families: The American Express Gold Rewards Credit Card
- For Budget Travellers: The American Express Airpoints Platinum Card
- For Luxury Travel: The Platinum Card® from American Express
Choosing the right travel credit card can make a big difference in how much you save on family trips. Always consider your family’s spending habits and travel goals before making a decision.
Tips for managing your travel credit card
Keeping Track of Rewards and Expiry Dates
- Stay organised: Use a calendar or app to note when rewards expire.
- Check your account regularly to see how many points you have.
- Set reminders for any important dates related to your rewards.
Paying Off Balances to Avoid Interest
- Always aim to pay your balance in full each month.
- If you can’t pay it all, pay as much as you can to reduce interest.
- Consider setting up automatic payments to avoid missing due dates.
Using Card Benefits Wisely
- Familiarise yourself with all the benefits your card offers.
- Use travel insurance for trips to save on unexpected costs.
- Take advantage of any discounts or offers available through your card.
Managing your travel credit card wisely can lead to significant savings and rewards for your family trips. Always be aware of your spending and the benefits you can gain.
Case Studies: Families Who Travel Smart with Credit Cards
Real-Life Examples of Reward Redemptions
Many families have successfully used their family travel credit card to save on trips. Here are a few examples:
- The Smith Family: They used their points to book a family vacation to Bali, saving over $2,000 on flights.
- The Johnsons: By using a travel credit card for their everyday expenses, they earned enough points for a free hotel stay in Sydney.
- The Browns: They used a credit card with travel insurance for the whole family, allowing them to enjoy frequent family holidays without the hefty price tag of a standard travel insurance.
How Families Save on Travel Costs
Families can save significantly by choosing the right travel credit card for families. Here are some strategies:
- Maximise Sign-Up Bonuses: Many cards offer large bonuses for new users, which can cover a significant portion of travel costs.
- Use Points for Group Travel: Booking multiple tickets at once can often lead to better deals.
- Take Advantage of Family-Friendly Perks: Some cards offer benefits like free checked bags or companion tickets, which can save money.
Lessons Learned from Experienced Travellers
Families who travel smart with credit cards often share valuable lessons:
- Plan Ahead: Knowing when to book can lead to better rewards.
- Stay Informed: Keeping up with changes in rewards programmes can help families make the most of their points.
- Be Flexible: Being open to different destinations can lead to unexpected savings.
Avoiding common pitfalls with travel credit cards
Understanding the Fine Print
When choosing a travel credit card, it’s crucial to read the fine print. Many cards come with hidden fees or conditions that can catch you off guard. Here are some key points to consider:
- Look for annual fees and what benefits they cover.
- Check for foreign transaction fees, especially if you travel overseas.
- Understand the terms of any rewards programme, including how points are earned and redeemed.
Avoiding Overspending
It’s easy to overspend when using a credit card, especially with enticing rewards. To prevent this:
- Set a monthly budget for your credit card use.
- Only use your card for planned expenses.
- Track your spending regularly to stay within your limits.
Managing multiple cards effectively
If you have more than one travel credit card, managing them can be tricky. Here are some tips:
- Keep a list of each card’s benefits and fees.
- Use the card that offers the best rewards for your current spending.
- Pay off balances on time to avoid interest charges.
Remember, the best travel credit card is one that fits your family’s spending habits and travel goals. Take the time to evaluate your options carefully.
Final Thoughts on Choosing the Right Credit Card for Family Travel
Selecting the right credit card for family travel is not a one-size-fits-all situation. Each family has unique spending habits and travel needs. It’s essential to look closely at where you spend the most money and choose a card that offers the best rewards for those categories. For instance, if groceries are your biggest expense, a cash back card could help you save for flights. Also, consider the insurance benefits that come with the card, as they can provide peace of mind during your travels. Always compare different cards and their rewards, fees, and benefits to find the best fit for your family’s adventures. With careful planning, you can make your family trips more enjoyable and affordable.
Frequently Asked Questions
What should I consider when choosing a travel credit card for my family?
Think about how often your family travels, where you like to go, and your budget for hotels and activities. Each family has different needs!
Are there credit cards that offer rewards for family spending?
Yes! Some cards give extra points for spending in categories like groceries or family activities, which can help you earn rewards faster.
How can I maximise rewards on my travel credit card?
Use your card for everyday expenses where you earn the most points, and look out for sign-up bonuses that can boost your rewards.
What are some common travel credit card fees?
Many cards have annual fees, but some offer no fee options. Always check what you get for the fee to see if it’s worth it.
Is travel insurance important when using a credit card?
Absolutely! Many travel credit cards include insurance for things like trip cancellations, lost luggage, and medical emergencies.
How can I avoid overspending with my travel credit card?
Set a budget for your spending and try to pay off your balance each month to avoid high interest charges.
For more information and tips to help you choose the best credit card in NZ, visit our website Credit Cards Compare.