Score Airpoints with Kiwibank Air New Zealand Airpoints Platinum Visa, Low Rates and Travel Insurance for Kiwis

Features and rewards

The Kiwibank Air New Zealand Airpoints Platinum Visa is built for Kiwis who want to earn Airpoints Dollars on everyday spending while keeping costs sensible. With 1 Airpoints Dollar earned for every NZ$115 spent on eligible purchases, the card turns regular shopping into future flights and upgrades.

Besides Airpoints, the card includes up to 44 interest-free days on purchases and a clear rewards structure that works well for frequent flyers. This blend of travel perks and practical benefits makes the card a leading travel credit card NZ option for many households.

Costs, rates and eligibility

The card carries an annual fee of NZ$180 (charged NZ$90 every six months) and a purchase rate of 20.95% p.a., with cash advances at the same rate. For those wanting to consolidate debt, there’s a promotional balance transfer rate of 1.99% p.a. for the first six months, plus a minimum credit limit of NZ$8,000.

To apply you’ll need proof of income, ID and basic financial details — payslips, bank statements and IRD records are typical requirements. As with any credit product in New Zealand, meeting eligibility and understanding minimum repayments and fees will help you avoid surprises.

Travel insurance and Airpoints earning strategy

An important draw for Kiwis is the complimentary overseas travel insurance that’s included when you pay for your travel and accommodation with the card before you leave NZ. The cover typically includes emergency medical, cancellation and baggage protection — useful for short trips around the Pacific or longer overseas holidays.

Maximising Airpoints Dollars means charging regular bills and travel to the Kiwibank Air New Zealand Airpoints Platinum Visa and combining that with targeted spend in months you fly. Earned Airpoints can be redeemed for flights, seat upgrades and other Air New Zealand services, so small daily purchases add up to meaningful travel savings.

How to maximise benefits and apply

Use the card for recurring monthly costs like groceries, fuel and bills to build Airpoints Dollars steadily, while paying the statement in full to avoid interest on purchases. If you plan a big trip, book flights and accommodation on the card to activate the travel insurance and accelerate Airpoints earnings.

When applying, check your eligibility carefully and gather payslips, bank statements and ID documents to speed approval. Compare this card against other low-rate and travel rewards credit cards in NZ to confirm it matches your spending habits — for many Kiwis the combination of Airpoints, travel cover and a competitive balance transfer offer is a winner.