The Air New Zealand Airpoints™ credit card range is designed for Kiwi consumers looking to earn more Airpoints Dollars™ through everyday spending. With options from American Express, ANZ, and Westpac, there is flexibility to suit different needs and budgets. Annual fees range from $0 (for some American Express cards) up to $310 for premium cards. Most cards offer bonus Airpoints on sign-up, competitive earn rates—some as high as $70 spent per Airpoints Dollar—and extra benefits such as travel insurance.

To apply for an Airpoints™ credit card, first review your preferred card’s details and requirements. Make sure you meet the income and age eligibility, usually being at least 18 years old with acceptable credit history. Complete the online application form provided by the issuing bank, supplying identification and financial information. Approval is often quick if you have all your documents ready and valid.

How to Apply Step by Step

• Choose a card that matches your needs
• Check eligibility requirements
• Prepare your personal and financial documents
• Complete the relevant online application
• Wait for approval and activate your card

Main Pros

One of the biggest advantages is the ability to earn Airpoints™ Dollars on daily spending, accelerating your path to free flights and upgrades. Many cards also include extras such as free travel insurance, Koru membership discounts, and the non-expiry of Airpoints Dollars™ on select cards—allowing your rewards to accumulate longer without worry.

Key Cons

Some cards carry higher annual fees, especially for premium tiers. Not all cards include non-expiry for Airpoints or offer travel insurance, so it’s essential to read the fine print. Minimum spend for maximum earn rates can also be restrictive for some users.

Verdict

Airpoints™ earning credit cards provide real value if you travel often or spend regularly on your card. Ensure you match the right card to your habits to maximise both Airpoints Dollar earn and value from added benefits like insurance or Koru Lounge discounts.