Amex Airpoints Platinum credit card for Kiwis: fast Airpoints, lounge access and travel cover

Why many Kiwis pick the Amex Airpoints Platinum card

The Amex Airpoints Platinum card is a top pick across New Zealand for people who fly regularly with Air New Zealand or who want fast Airpoints accrual on everyday spending. Cardholders earn Airpoints Dollars on purchases like groceries, petrol and dining, turning routine spend into flight rewards more quickly than standard cards.

Beyond points, the card bundles lounge access, travel insurance and concierge services that genuinely matter when travelling from Auckland, Wellington or Christchurch. For Kiwi travellers who value time and peace of mind, the combination of Airpoints earning and premium perks often justifies the annual fee.

Fast Airpoints and redemption advantages

With competitive earn rates, the card helps you accumulate Airpoints faster so you can redeem flights, upgrades and seat selections sooner. Using the card for big-ticket items such as annual insurance, travel bookings or weekly groceries accelerates point growth and shortens the wait for your next domestic or Pacific Islands trip.

Redemption is flexible: Airpoints Dollars work directly towards Air New Zealand bookings, meaning you see real savings in NZD at checkout. That simple, direct value is what sets this travel-focused credit card apart when comparing frequent flyer options in New Zealand.

Travel protection, lounge access and member perks

Insurance cover included with the card is robust for Kiwi conditions: trip cancellation, overseas medical, lost luggage and rental car excess cover are standard, giving confidence on business and holiday travel alike. These protections can save thousands if something goes wrong overseas.

Complimentary access to selected airport lounges and priority services cuts stress at busy NZ airports and international hubs. Add Amex Offers and exclusive partner deals, and you get ongoing value beyond flights—hotel upgrades, dining discounts and occasional travel credits are regular perks.

Costs, eligibility and how to make the most of it

There is an annual fee that reflects the premium nature of the card, so it pays to map your spend and benefits to make sure the card earns back more than it costs. If you regularly fly or spend on categories that earn bonus Airpoints, the net value usually favours cardholders.

Applying typically requires good credit and proof of income; New Zealand applicants should compare offers and consider balance transfers or introductory deals when available. If you want to maximise Airpoints, use the card as your main everyday payment, stack Amex Offers and book Air New Zealand flights to convert points into tangible travel savings.