Turn Everyday Spending into Airpoints Dollars with Kiwibank’s NZ$25 Low Fee Credit Card
Make every NZ$ you spend earn Airpoints Dollars on groceries, bills and Air New Zealand fares with the Kiwibank Air New Zealand Airpoints Low Fee Credit Card for just NZ$25 a year
Simple, low-fee rewards for everyday Kiwi spending
The Kiwibank Air New Zealand Airpoints Low Fee Credit Card charges just NZ$25 a year and turns regular spending into Airpoints Dollars. For Kiwis who want a straightforward rewards card without a hefty annual fee, this low fee credit card makes every NZ$ count toward flights, upgrades and Air New Zealand fares.
Cardholders enjoy up to 44 days interest-free on purchases when you pay the balance in full each month, plus the convenience of a linked Airpoints Dollars balance that doesn’t expire. It’s a practical choice for everyday groceries, bills and those weekend trips around Aotearoa.
How Airpoints Dollars add up
You earn Airpoints Dollars every time you use the card: 1 Airpoints Dollar for every NZ$160 on eligible purchases and 1 Airpoints Dollar for every NZ$140 spent directly with Air New Zealand. Over time even modest monthly spending stacks up, making it easier to cover domestic flights or put toward international travel.
The card plugs straight into the Airpoints programme, so your Airpoints Dollars are redeemable for flights, upgrades and eligible partner offers. If you need a top-up to reach a reward, you can add Airpoints Dollars online for a fee, giving flexibility to finish off a redemption.
Fees, rates and handy extras
Beyond the NZ$25 annual fee, the account fee sits at NZ$12.50 every six months and additional cardholders cost NZ$5. There’s a balance transfer offer at 1.99% p.a. for the first six months, useful if you’re consolidating debt and want to save on interest while still earning Airpoints Dollars on new spending.
Perks like Visa Entertainment add lifestyle value with exclusive offers on events and experiences around New Zealand. Remember to clear your statement each month to keep the interest-free benefit and get the most from this low fee credit card.
Who benefits most and how to apply
This card suits light-to-moderate spenders who want a low-cost way to collect Airpoints Dollars, and regular Air New Zealand travellers who want a no-fuss rewards route. If you don’t need airport lounge access or premium travel perks, the simplicity and low fees make this an attractive option for everyday use in NZ.
Applying is straightforward via the Kiwibank website: be 18 or over, provide ID and proof of income, and have a reasonable credit history. For Kiwis looking to turn daily bills and grocery runs into Airpoints Dollars without big fees, the Kiwibank Air New Zealand Airpoints Low Fee Credit Card is a smart, wallet-friendly pick.