The American Express Airpoints Credit Card

Main Features

• Purchase Rate: 0% p.a. for 6 months then 19.95% p.a.
• Cash Advance Rate: 21.95% 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 card details on the provider's website again before applying.

 To save you time before you apply for your American Express Airpoints Card, it is best to make sure you can say yes to the following:

• I am aged over 18
• I have no history of bad debt or payment default
• I have a personal gross (pre-tax) annual income of $35,000 or more
• I am a permanent resident or citizen of New Zealand, and
• If self employed, I have been trading for at least 18 months (or 12 months if I hold an existing American Express issued Card)

What do I need to apply?

Your eligibility for this card would depend on a few criteria listed below. When you apply for the card, the credit card provider is likely to ask you a few questions about these criteria to determine your eligibility.

• Income
• Expenses
• Debts
• Assets
• Savings
• Investments

**You have to be a New Zealand permanent resident, and have a good credit history to apply for a Kiwibank Credit Card

Documents Required

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 A. If you provide only one item from List A, you must also provide one item from List B.

Document List A:

• Current passport
• New Zealand drivers licence
• 18+ card
• Photo Credit Card

Document List B:

• Most recent bank statement
• Debit card
• Credit card
• Community services card
• Club or society card.

*Note: If you are after for a rewards credit card, you can compare all the rewards credit cards listed our website on the rewards credit cards page. Rewards credit cards allow you to earn points for using your credit card, and depending on your card, you can redeem points earned for cash, air points or other goodies.

No documents required to apply¹

1. Documents not required with initial application, but might be required if your application is accepted.