ANZ Airpoints Visa Platinum NZ review: best credit card for Airpoints Dollars, Koru savings and travel perks

Why Kiwis pick ANZ Airpoints Visa Platinum

The ANZ Airpoints Visa Platinum is a top pick for Kiwi travellers who want to rack up Airpoints Dollars on everyday spending. Cardholders earn Airpoints Dollars on purchases and get a meaningful boost toward free flights, upgrades and travel extras that matter here in New Zealand.

For many in Aotearoa, the card hits the sweet spot between rewards and practical travel cover, offering Airpoints Advance, Visa Concierge and a discounted Koru membership that appeals to frequent flyers. If you fly with Air New Zealand, the ANZ Airpoints Visa Platinum turns routine spending into tangible travel value.

Airpoints earning, Koru discount and travel perks

With the ANZ Airpoints Visa Platinum you typically earn Airpoints Dollars on eligible spends, making it straightforward to build up credit for flights and seat upgrades. The card also includes a $145 saving off the standard 12-month individual Koru membership, which is a great immediate saving for regular Air NZ travellers.

Other perks like overseas travel insurance (when you pay eligible travel costs with the card) and access to Visa global offers add extra protection and value. The Airpoints Advance feature can be handy when you need to secure a booking before you’ve accrued enough Airpoints Dollars.

Costs, interest and smart ways to use the card

Costs are an important part of the decision: the ANZ Airpoints Visa Platinum has an annual fee of NZ$150 and purchase and cash advance rates around 20.95%. There are up to 44 interest-free days on purchases if you pay your balance in full each month, so disciplined use avoids interest entirely.

To get the best return, use the card for regular bills and grocery runs, pay off the balance each month and make the most of the Koru saving and travel insurance inclusions. If you only use the card for big spends and keep interest at bay, the Airpoints Dollars you earn can easily outweigh the annual fee.

Eligibility, how to apply and final verdict

ANZ assesses eligibility on income, credit history and residency, and many standard documents such as payslips or IRD summaries are required. Minimum credit limits are higher than some other cards, so it suits applicants who have steady income and want a card geared toward travel rewards.

Overall, the ANZ Airpoints Visa Platinum is a strong contender for anyone in New Zealand focused on travel rewards and practical travel cover. If you fly often with Air New Zealand, value the Koru discount and can manage repayments, this card delivers clear Airpoints Dollars value and useful travel benefits for Kiwis.