Credit Cards NZ
  • Home
  • Card Types
    • Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Best Credit Cards in NZ
    • Best Credit Card Rewards
    • Business Credit Cards
    • CashBack Credit Cards
    • Free Airport Lounge Access Cards
    • Frequent Flyer Credit Cards
    • Interest Free Credit Cards
    • Low Interest Credit Cards
    • No annual Fee Credit Cards
    • Rewards Credit Cards
    • Travel Credit Cards
    • 0% Balance Transfer Credit Cards
    • Best Credit Card Types
      • Best Airpoints Credit Cards in NZ
      • Best Credit Card for Family Travel
      • Best Credit Card Rewards NZ
    • More Credit Card Types…
      • Air New Zealand Credit Cards
      • Koru Membership Credit Cards
      • Credit card Finder
      • Free Credit Card
      • Flybuys Credit Cards
      • Sign Up Bonus Credit Cards
      • Travel Insurance Credit Cards
      • Instant Approval Credit Cards
      • Mastercard Credit Cards
      • No Foreign Transaction Fee Credit Cards
      • Prestige Credit Cards
      • Priority Pass Credit Cards
      • Store Credit Cards
      • Student Credit Cards
      • Visa Credit Cards
  • Card Providers
    • Air New Zealand Credit Cards
    • Amex Credit Cards
    • ANZ Credit Cards
    • ASB Credit Cards
    • BNZ Credit Cards
    • Farmers Credit Card
    • Flight Centre Credit Card
    • Kiwibank Credit Cards
    • Q Card Credit Cards
    • SBS Bank Credit Cards
    • The Co-operative Bank Credit Cards
    • TSB Credit Cards
    • Westpac Credit Cards
    • More Card Providers
      • Air NZ Credit Cards
      • Countdown Credit Cards
      • HSBC Credit Cards
      • Warehouse Money Credit Cards
      • Qantas Credit Cards
  • About
    • About Us
    • Contact Us
    • Write for us
    • Advertising
  • Articles
    • Wise Travel Card Review
    • Is Airpoints Worth it?
    • Is a Wise Card worth it?
    • Is a Travelex Money Card worth it?
    • What is the best way to take money overseas?
    • More Articles
Credit Cards NZ
  • Home
  • Card Types
    • Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Best Credit Cards in NZ
    • Best Credit Card Rewards
    • Business Credit Cards
    • CashBack Credit Cards
    • Free Airport Lounge Access Cards
    • Frequent Flyer Credit Cards
    • Interest Free Credit Cards
    • Low Interest Credit Cards
    • No annual Fee Credit Cards
    • Rewards Credit Cards
    • Travel Credit Cards
    • 0% Balance Transfer Credit Cards
    • Best Credit Card Types
      • Best Airpoints Credit Cards in NZ
      • Best Credit Card for Family Travel
      • Best Credit Card Rewards NZ
    • More Credit Card Types…
      • Air New Zealand Credit Cards
      • Koru Membership Credit Cards
      • Credit card Finder
      • Free Credit Card
      • Flybuys Credit Cards
      • Sign Up Bonus Credit Cards
      • Travel Insurance Credit Cards
      • Instant Approval Credit Cards
      • Mastercard Credit Cards
      • No Foreign Transaction Fee Credit Cards
      • Prestige Credit Cards
      • Priority Pass Credit Cards
      • Store Credit Cards
      • Student Credit Cards
      • Visa Credit Cards
  • Card Providers
    • Air New Zealand Credit Cards
    • Amex Credit Cards
    • ANZ Credit Cards
    • ASB Credit Cards
    • BNZ Credit Cards
    • Farmers Credit Card
    • Flight Centre Credit Card
    • Kiwibank Credit Cards
    • Q Card Credit Cards
    • SBS Bank Credit Cards
    • The Co-operative Bank Credit Cards
    • TSB Credit Cards
    • Westpac Credit Cards
    • More Card Providers
      • Air NZ Credit Cards
      • Countdown Credit Cards
      • HSBC Credit Cards
      • Warehouse Money Credit Cards
      • Qantas Credit Cards
  • About
    • About Us
    • Contact Us
    • Write for us
    • Advertising
  • Articles
    • Wise Travel Card Review
    • Is Airpoints Worth it?
    • Is a Wise Card worth it?
    • Is a Travelex Money Card worth it?
    • What is the best way to take money overseas?
    • More Articles

Flight Centre Mastercard Credit Card

Flight Centre Mastercard Credit Card
More Info »
Apply Now »

Gold Award

The Flight Centre Mastercard credit card is a rewards credit card that allows you to earn 1 Flight Centre Reward for every NZ$150 spent on Standard Purchases, 1 Flight Centre Reward for every NZ$100 spent internationally and 2 Flight Centre Reward for every NZ$150 spent at Flight Centre using your Flight Centre Mastercard credit card. When redeemed, every 1 Flight Centre Reward earned equates to NZ$1 credit towards your Flight Centre Mastercard account. Other Flight Centre Mastercard benefits include: no international transaction fees whether you're shopping in a different currency whilst still in NZ or if you're shopping overseas.

The Flight Centre Mastercards charges a $50 annual fee and a standard interest rate of 24.99%. The Flight Centre Mastercard also offers access to Long Term Finance so you can travel now and pay later or shop at participating retailers, but a $55 establishment fee applies on your first purchase using Long Term Finance and then the establishment fee reduces to $35 for subsequent Long Term Finance Purchases.

If you are interested in a Rewards credit card you can compare credit card rewards on our website to help you find the best rewards credit card for you.

The American Express Airpoints Platinum Card
The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints DollarTM 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: 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.
More Info »
*Terms and conditions apply

Rewards Points Cash Equivalent

$100 spend earns you $0.66 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 Flight Centre Reward equals $1 NZD when redeemed with Fight Centre and $150 spend earns you 1 Flight Centre Reward then $100 spend earns you (100/150) = $0.66 cash equivalent when redeemed with Flight Centre.

Key Features

  • Purchase Rate: 24.99%
  • Cash Advance Rate: 26.99%
  • Balance Transfer: N/A
  • Annual Fee: $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases.
  • Interest Free Days: Up to 44 days
  • Minimum Repayment: If your Adjusted Closing Balance is $10 or more, then $10 or an amount calculated as 3% of the Adjusted Closing Balance (whichever is greater). An additional minimum repayment amount may apply for purchases made on Long Term Finance.
  • Card Reward Details: Earn 1.50 Flight Centre Reward for every NZ$100 you spend on a Purchase and 3 Flight Centre Reward points if purchased from Flight Centre.
  • Credit Limit: Subject to lending criteria and is assessed on an individual basis and based on application information
  • Other Fees:

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

Flight Centre Mastercard Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the Flight Centre Mastercard Credit Card to help you decide.

Pros

  • Earn Flight Centre Rewards
  • No international transaction fees
  • Long term finance option
  • Double the reward when you shop at Flight Centre

Cons

  • Annual Fee
  • Relatively high Interest
  • Limited Travel Benefits (no travel insurance for example)

What we like about the Flight Centre Mastercard Credit Card

Rewards Program

The rewards programme is designed to maximise your spending. You can accumulate points quickly, especially when booking through Flight Centre. These points can be redeemed for travel-related expenses, giving you more value for your money.

No International Transaction Fees

The Flight Centre Credit Card charges no international transaction fee which is great for travellers.

Long Term Finance options

The Flight Centre Mastercard also offers access to Long Term Finance so you can travel now and pay later or shop at participating retailers.

Drawbacks of the Flight Centre Mastercard Credit Card

Annual Fees and Charges

One of the main drawbacks of the Flight Centre Mastercard Credit Card is the annual fee. You will need to pay $50 each year to keep the card active. Additionally, there is a $55 establishment fee on your first purchase using Long Term Finance. For subsequent Long Term Finance purchases, this fee drops to $35. These fees can add up, especially if you do not use the card frequently.

Interest Rates

The interest rates on the Flight Centre Mastercard Credit Card are quite high. The standard purchase interest rate is 24.99%, and the cash advance rate is 26.99%. If you do not pay off your balance in full each month, these high rates can lead to significant debt over time. It is crucial to consider whether you can manage these rates before applying for the card.

Is the Flight Centre Mastercard Credit Card Right for me?

Assessing Your Travel Needs

When considering the Flight Centre Mastercard Credit Card, it's essential to evaluate your travel habits. If you frequently book flights and holidays through Flight Centre, the rewards program might be worth it.

Evaluating Financial Benefits

The financial perks of the Flight Centre Mastercard are worth noting. With no foreign transaction fees, it is an excellent choice for international travellers. However, be mindful of the annual fee of $50 and the establishment fee of $55 for your first Long Term Finance purchase. Subsequent Long Term Finance purchases have a reduced establishment fee of $35. Weigh these costs against the potential savings from the rewards programme to determine if the card is financially advantageous for you.

Considering Alternative Options

Before making a decision, it's wise to compare the Flight Centre Mastercard with other rewards credit cards available in New Zealand.

In general, we recommend comparing all credit cards on our website to help you make an informed decision.

How to Apply for the Flight Centre Mastercard Credit Card

Step-by-Step Application Process

Applying for the Flight Centre Mastercard Credit Card is straightforward. Follow these steps to ensure a smooth application:

  1. Click Apply Now on this page to visit the Fight Centre Mastercard Website: Go to the Flight Centre Mastercard website to start your application.
  2. Fill Out the Application Form: Provide your personal details, including your name, address, and contact information.
  3. Submit Financial Information: Enter your income details and any other required financial information.
  4. Review and Submit: Double-check all the information you have entered, then submit your application.

Approval Timeframe

Once you have submitted your application, the approval process typically takes a few business days. You will receive an email notification regarding the status of your application. If additional information is needed, the bank will contact you directly.

Tips for a Successful Application

To increase your chances of approval, consider the following tips:

  • Ensure Accuracy: Double-check all the information you provide to avoid any errors.
  • Meet Eligibility Criteria: Make sure you meet all the eligibility requirements before applying.
  • Prepare Documentation: Have all necessary documents ready, such as proof of income and identification.
  • Maintain a Good Credit Score: A higher credit score can improve your chances of approval.

Frequently Asked Questions

What are the age and residency requirements for the Flight Centre Mastercard?

You need to be at least 18 years old and a New Zealand resident to apply for the Flight Centre Mastercard.

Do I need a good credit score to get approved?

Yes, having a good credit score increases your chances of getting approved for the Flight Centre Mastercard.

What kind of travel benefits does the card offer?

The Flight Centre Mastercard offers various travel perks, including discounts on flights and holiday packages.

Are there any annual fees for the Flight Centre Mastercard?

Yes, the card comes with annual fees. It's important to check the fee details before applying.

How long does it take to get approved for the card?

Approval times can vary, but generally, it takes a few business days to process your application.

Is the Flight Centre Mastercard widely accepted?

While the card is accepted in many places, there might be some limitations, especially outside New Zealand.

Eligibility Requirements:

  • Expenses
  • Debts
  • Assets
  • Savings
  • Investments
  • 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 credit cards with rewards? Compare ALL Rewards credit cards on our Rewards credit cards page.

    More Info »
    Apply Now »


    The American Express Airpoints Platinum Card
    The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints DollarTM 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: 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.
    More Info »
    *Terms and conditions apply

    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.

    • Airpoints credit card
    • Credit cards rewards
    • Frequent flyer credit cards
    • Travel credit cards
    • Interest free credit card
    • Credit card with travel insurance
    • Credit cards with lounge access
    • Lowest interest rate credit card
    • Best credit card rewards

    Credit Card Providers

    • Amex
    • ANZ
    • Westpac
    • Kiwibank
    • ASB
    • BNZ
    • SBS Bank
    • Cooperative Bank
    • HSBC
    • TSB
    • Countdown
    • Farmers
    • Q Cards
    • Flight Centre
    • Gem
    • Warehouse
    • Mastercard
    • Visa
    The American Express Airpoints Credit Card
    Get 0% p.a. on purchases for the first 6 months with the Amex Airpoints Credit Card, plus NO ANNUAL FEE and you earn 1 Air NZ Airpoints DollarTM for every $100 you spend with the Card. 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.
    More Info »
    *Terms and conditions apply

    Popular Pages

    • Credit Card Finder
    • Apply for a credit card online guide
    • Kiwibank Credit Cards
    • BNZ Credit Cards
    • 0% Balance Transfer Cards
    • Balance Transfer NZ
    The American Express Airpoints Platinum Card
    The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints DollarTM earning Platinum credit card. Every $70 you 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

    Credit Card Types

    • Air NZ credit cards
    • Airpoints credit card
    • Balance transfer credit cards
    • Balance transfer NZ
    • Best credit cards
    • Best credit card rewards
    • Cashback credit cards
    • Credit card balance transfer
    • Credit cards rewards
    • Credit cards with lounge access
    • Credit card with travel insurance
    • Free credit cards
    • Frequent flyer credit cards
    • Interest free credit card
    • Low Interest rate credit cards
    • No-annual fee credit cards
    • Prestige credit cards
    • Rewards credit cards
    • Students credit cards
    • Travel credit cards
    • Travel insurance credit cards
    • More card types...

    Useful Information

    • About Us
    • Contact Us
    • Advertising
    • News and Articles
    • Terms of use
    • Privacy Policy
    • Credit Cards Compare
    • Sitemap

    Recent Posts

    • No Annual Fee Credit Cards in NZ: Are They Worth It?
    • How Credit Card Interest Works in New Zealand: A Simple Guide
    • Pre-Approval vs Instant Approval: What Do NZ Credit Card Terms Really Mean?
    • How to Maximise Airpoints and Travel Perks with NZ Credit Cards
    • How to Compare NZ Credit Cards: What to Look for in 2025
    • Best Airpoints Credit Cards in NZ [2025 Edition]
    • From Screen Time to Side Hustle: Why a kid’s YouTube channel might be Worth more than you think

    Popular Pages

    • How to apply for a credit card
    • Interest free credit cards
    • Low rate credit cards
    • Best credit card in NZ
    • Balance transfer credit cards
    • Credit card rewards
    • No-annual fee credit cards
    • Balance transfer NZ
    • Free credit card
    • Kiwibank credit cards
    • ASB credit cards
    • ANZ credit cards
    • Westpac credit cards
    • TSB credit cards
    • BNZ credit cards
    • Mastercard credit cards
    • Visa credit cards
    • The Warehouse credit cards

    More information

    • Credit card blog
    • Credit cards
    • Credit card finder
    • Best credit card NZ
    • Apply for credit card
    • Credit cards compare NZ
    • Credit card types
    • Credit card comparison
    • Credit cards NZ
    • Credit card balance transfer
    • Balance transfer
    • NZ credit cards
    • Credit card NZ
    • Credit card online

    About Us

    Kia Ora! Credit cards compare NZ (also referred to as Credit cards comparison NZ or Credit cards NZ) is an absolutely free credit card comparison website. Each year we help tens of thousands of Kiwis save by finding the best credit card to suit their needs.

    Credit cards compare NZ

    CreditCardsCompare.co.nz (Credit Cards Compare NZ) is not a credit card provider and does not provide financial advice, we only provide factual and general information on our website to help you find the best credit card to suit your needs. Any financial advice that may be provided on this website is merely passed on from the credit card provider and does not take into account your personal circumstance. If you are unsure, seek independent professional advice before taking out a credit card.Credit Cards Compare NZ includes many but not all credit cards in NZ on our website. We may receive a commission for advertising/promoting certain credit cards and products on our website.
    © Copyright 2022 operated by Credit Cards Compare NZ (ABN 14936155671)