The American Express Airpoints Credit Card

The American Express Airpoints Credit Card
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The American Express Airpoints Card is a rewards credit card that offers a generous Air New Zealand Airpoints earn rate and charges no annual fees and no interest on purchases for the first 6 months. With the American Express Airpoints Credit Card you earn 1 Air New Zealand Airpoints Dollar for every $100 you spend with your card. What's more, this card offers a sign up bonus of 50 Airpoints Dollars (see below for more details).

The American Express Airpoints Card might be a great card for you if you want to earn Airpoints and pay no annual fees. It might also be suitable for those who want to take advantage of the 6 months interest free period to avoid paying interest on their purchases for 6 months.

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.

So in conclusion, with the American Express Airpoints Card you get 6 months interest free on purchases, Airpoints rewards, and 50 sign up bonus Airpoints all with No annual fee! That's not bad at all.

Rewards Points Cash Equivalent

$100 spend earns you $1.00 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 $100 spend earns you 1 Airpoints Dollar then $100 spend earns you $1 cash equivalent when redeemed with Air New Zealand or through the Airpoints store.

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

Key Features

  • Purchase Rate: 0% p.a. for 6 months then 22.95% p.a.
  • Cash Advance Rate: 22.95% p.a.
  • Balance Transfer: Not offered
  • Annual Fee: $0.00
  • Interest Free Days: 55 days
  • Minimum Repayment: $10.00 or 3% of the closing balance, whichever is greater.
  • Card Reward Details: Earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend
  • Credit Limit: Available on application
  • Other Fees: Late Payment Fee: $25, Dishonour Fee: $25

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

The American Express Airpoints Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the The American Express Airpoints Credit Card to help you decide.

Pros

  • No annual fee
  • Earn Airpoints rewards at a decent rate of 1 Airpoint for every $100 spend
  • Get 6 months interest free on purchases
  • 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.

Cons

  • None that we can think of. If you want a better Airpoints earn rate and more benefits you can consider the Amex Airpoints Platinum Card instead.

What we like about the American Express Airpoints Card

No Annual Fee

Rarely do you see a rewards credit card with no annual fee so we are very pleased to to see this.

High Airpoints Dollar Earning Rate

With the American Express Airpoints Credit Card, you earn 1 Airpoints Dollar for every $100 you spend. This is a really decent rate for credit card with no annual fee.

Interest free period

Cardholders can earn Airpoints rewards at a rate of 1 Airpoint for every $100 spent on your card.

Favorable Customer Dispute Terms

American Express is known for its strong customer service and favorable dispute resolution terms. If you encounter any issues with a purchase, American Express provides robust support to help resolve the problem. This added layer of protection ensures that you can shop with confidence, knowing that any disputes will be handled efficiently and fairly.

What is not so great about the Amex Airpoints Credit Card

Honestly, we can't fault this card, but generally, we recommend comparing all credit cards on our website to help you make an informed decision.

Is the American Express Airpoints Credit Card Right for You?

If you travel often, the American Express Airpoints Credit Card could be a great fit. You can earn Airpoints Dollars quickly, which can be used for flights, upgrades, and more. Plus, the travel perks and insurance can make your trips more comfortable and secure.

For those who travel less frequently, this card still offers value. You can accumulate Airpoints Dollars over time and use them at the Airpoint store to purchase other goodies or even get vouchers to partner stores.

As with all credit cards, it is a good idea to pay off your balance in full each month.

Eligibility Criteria:

Check the provider's website for Eligibility details but in general you need to be:
  • Be aged 18 or over
  • Have no history of bad debt or payment default
  • Have the right to work in New Zealand, and

Documents and information to have ready:

  • NZ Driver’s Licence number (if you have one)
  • Details of your income, expenses and debts
  • Proof of your annual income and employment details (e.g. Inland Revenue Department (IRD) Statement, payslips)

Frequently Asked Questions

How can I earn Airpoints with my American Express Airpoints Credit Card?

You can earn Airpoints Dollars by using your American Express Airpoints Credit Card for everyday purchases. For every $100 spent, you earn 1 Airpoints Dollar. However, cash advances and balance transfers do not earn Airpoints.

What are the fees associated with the American Express Airpoints Credit Card?

The card has an annual fee, but there might be other fees such as foreign transactions. It's important to review the terms and conditions to understand all applicable fees.

How much is a Airpoints Dollar worth?

1 Airpoints Dollar = $1 NZD when redeemed with Air New Zealand or at the Airpoints store.

How can I redeem my Airpoints?

You can redeem your Airpoints for flights, upgrades, gift cards and shopping with Air New Zealand partners using the Airpoints store.

Pro Tip: there are no categories for gift cards on the Airpoints Store, but if you search for “gift cards” or “vouchers” on the website using the search bar, you will see a whole bunch of gift cards and vouchers that you can purchase.

What should I do if my American Express Airpoints Credit Card is lost or stolen?

If your card is lost or stolen, you should report it immediately to American Express customer service. They will help you secure your account and issue a replacement card as soon as possible.

How do I apply for the American Express Airpoints Credit Card?

To apply, you need to be at least 18 years old, have a good credit history, and meet the income requirements. You can apply online by filling out the application form and providing the necessary documents online.

Are there any travel benefits with the American Express Airpoints Credit Card?

The Amex Airponts Credit Card allows you to earn Airpoints Dollars which you can use for fligths and upgrades with Air New Zealand but it does not offer other common travel benefits such as complimentary travel insurance.

Interest in an Amex Credit Card? You can compare all Amex Credit Cards on our website to help you find the right Amex credit card.

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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.

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