American Express Platinum New Zealand 2025 Premium Perks, Lounge Access and $1,250 Annual Fee for Kiwis
For Kiwis weighing the $1,250 annual fee, American Express Platinum New Zealand delivers lounge access, 100,000 Membership Rewards and premium travel credits
Overview for Kiwis
The American Express Platinum card in New Zealand is built for frequent travellers and people who want premium perks. For Kiwis weighing the NZ$1,250 annual fee, the card bundles lounge access, concierge service and significant Membership Rewards that can offset the cost when used strategically.
This Platinum offering suits professionals and families who travel often with Air New Zealand or transfer points to global frequent flyer programmes. Keep in mind the card functions like a charge card for many users, so paying in full each month is standard practice.
Rewards and welcome offer
New cardholders can get 100,000 Membership Rewards bonus points after meeting the spending requirement in the first three months, a welcome offer that converts well into flights, hotel stays and travel credits. Ongoing, you typically earn 2 Membership Rewards points per NZD spent, making everyday purchases add up fast.
Points transfer options include Air New Zealand Airpoints via conversion, plus partners like Cathay Pacific Asia Miles and Emirates Skywards, which keeps the Amex Platinum flexible for travel redemptions. Using points for premium travel or transferring to airline partners generally gives the best value.
Travel perks and lounge access
Lounge access is a headline benefit for Kiwis who fly often. The American Express Platinum card provides Priority Pass entry and access to selected airline lounges, plus a complimentary guest in many locations. Frequent flyers can use lounge access to start trips relaxed and productive.
Other travel benefits include an annual NZ$200 Platinum Travel Credit, complimentary Accor Plus membership offers, and elite hotel programme perks like upgrades and late check-out through Fine Hotels & Resorts. Complimentary travel insurance when you book with the card adds further peace of mind.
Fees, insurance and final take
The headline annual fee is NZ$1,250, so calculate whether lounge access, the NZ$200 travel credit and 100,000 Membership Rewards justify that cost based on your travel and spend profile. Remember eligibility criteria and the expectation to settle the balance monthly in many cases.
Insurance coverages, purchase protection and a 24/7 Platinum Concierge are strong reasons to consider the card if you value convenience and premium service. For Kiwis who travel regularly and can extract value from points transfers and credits, the American Express Platinum card is a contender despite the high annual fee.