ANZ Airpoints Visa Platinum review for Kiwis, maximising Airpoints and NZ travel perks

ANZ Airpoints Visa Platinum for Kiwis: why it stands out

The ANZ Airpoints Visa Platinum is a solid NZ credit card for Kiwis who travel or want to bank Airpoints Dollars from everyday spend. Cardholders earn Airpoints Dollars on groceries, petrol and bills, making it practical for families and frequent flyers across Aotearoa.

Beyond earning, the card brings travel-focused perks tailored to New Zealand lifestyles, like Airpoints Advance, Visa Concierge and a $145 discount on a 12‑month individual Koru membership — small wins that add up over a year.

How to maximise Airpoints with the ANZ Airpoints Visa Platinum

To get the most from ANZ Airpoints Visa Platinum, put regular bills and subscriptions on the card and pay them off within the interest‑free days. You typically earn 1 Airpoints Dollar for every $110 spent, so concentrating spend helps convert everyday expenses into flights or upgrades quicker.

Use Airpoints Advance when you need a top‑up for a seat and combine ANZ offers with frequent flyer tactics like booking off‑peak and topping up with partner promotions. Also register for Visa Offers to pick up seasonal discounts that boost your return.

Costs, insurance and real NZ value

The annual fee is $150 NZD, and the purchase rate sits above 20%, so this card rewards discipline: pay on time and the travel perks will likely outweigh costs for active travellers. The card also comes with up to 44 interest‑free days if you clear your statement balance.

Complimentary overseas travel insurance applies when you pay for half of your prepaid travel with the card, which is genuine value for Kiwis heading overseas or island‑hopping domestically. Factor the insurance and Koru discount into your cost‑benefit math.

Who should apply and next steps for Kiwis

The ANZ Airpoints Visa Platinum is best for Kiwis with regular spending, decent credit history and plans to travel at least once a year. If you can meet ANZ’s eligibility and keep the card active, Airpoints accumulation and travel protections make it a competitive NZ credit card option.

Before applying, check your income docs and credit position, compare with other NZ cards like Kiwibank or Westpac, and work out whether the $150 annual fee translates into real Airpoints value for your travel goals. If it does, apply and start collecting Airpoints Dollars on the everyday spend you already make.