MoneyHub NZ
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  • Investing
    • Investing Platforms
      • Reviews
        • Sharesies Review
        • Hatch Review
        • Stake Review
          • Stake Black Review
        • Tiger Brokers (NZ) Review
        • Superhero Review
        • BlackBull Markets Share Trading Platform Review
        • ASB Securities Review
        • Invest Direct Review
        • InvestNow Review
        • Kernel Review
        • Kernel Shares & ETF Investing Review
        • Interactive Brokers
        • Smart Review
        • Catalist Review
      • Comparisons
        • Best Investment Apps
        • Sharesies vs Hatch vs Stake
        • Kernel vs Smart
        • Hatch vs Stake
        • Hatch vs Tiger Brokers
        • Sharesies vs Tiger Brokers
        • Stake vs Tiger Brokers
        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
          • How To Buy Apple Shares
          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
        • Transferring Share Portfolios
        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
        • Investing in Asian Markets from New Zealand
        • Understand Gross vs Net
        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
        • ETFs (Exchange Traded Funds)
        • Cash Funds
        • Index Funds vs ETFs
        • 10 Ways to Invest in New Zealand
        • Compound Interest Explained
        • How to Invest Regularly
        • Passive Investing vs Active Investing
        • Investments You Can Own Forever
        • Investing Mistakes
        • Investing in the S&P 500 from New Zealand
        • Popular Retirement Income Products in New Zealand
        • Shares vs ETFs
        • Shares vs Property Investment
        • Dollar Cost Averaging Guide
        • Margin Lending and Loans Explained
        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • The Best Way to Invest Inheritance or a Windfall
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
        • Investing in Dividend Shares
        • Common Shareholder Numbers in New Zealand
        • Shorting a Stock
        • Investing vs Trading vs Gambling
        • Investment Strategies for the Time-Poor
        • Advanced Trading Concepts
        • New and Emerging Investment Opportunities and Trends
      • Young People and Investing
        • Investing for Kids
        • Investing For Grandchildren
        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
        • SquareOne Review
        • Dosh Review
      • Investing Calculators
        • Term Deposit Calculator
        • Compound Interest Calculator
        • Investment Calculator
        • Savings Calculator
        • Net Worth Calculator
        • Million Dollar Calculator
    • Managed Funds, Tax & DIY Investing
      • Guides
        • Managed Funds
          • Pie Funds Management Review
          • Booster Private Land and Property Fund Review
          • AMP Managed Funds Review
        • Our Favourite Managed Funds
        • Australian Investment Funds
        • Advisers & Wealth
          • Financial Advisers Overview
          • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
          • Financial Advisers Auckland
          • Financial Advisers Hamilton
          • Financial Advisers Tauranga
          • Financial Advisers Napier & Hastings
          • Financial Advisers Palmerston North
          • Financial Advisers Wellington
          • Financial Advisers Lower Hutt & Hutt Valley
          • Financial Advisers Whanganui
          • Financial Advisers Kapiti
          • Financial Advisers Wairarapa
          • Financial Advisers Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Craigs Investment Partners Review
          • Craigs vs Forsyth Barr vs JBWere
          • Lighthouse Financial Services Review
          • Wealth Advisers Auckland
          • Wealth Advisers Hamilton
          • Wealth Advisers Tauranga
          • Wealth Advisers Napier & Hastings
          • Wealth Advisers Palmerston North
          • Wealth Advisers Lower Hutt & Upper Hutt
          • Wealth Advisers Wellington
          • Wealth Advisers Nelson
          • Wealth Advisers Christchurch
          • Wealth Advisers Dunedin
        • Bank Credit Ratings
        • Depositor Compensation Scheme (DCS) Explained
        • Tax on Investments and Savings
        • Tax Efficient Investing
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Leading ESG Funds
        • Asset Allocations to Build Wealth
        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
        • Buying NZ Corporate Bonds
        • Trading in a Nutshell
        • Peer to Peer Lending
        • Crowdfunding Guide
        • REITs Guide
        • Jasper Review
        • Investing & Personal Finance Podcasts
        • Emergency Funds
        • UK Pension Transfer to New Zealand
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • Investment Scams
        • Investing in Recession-Proof Sectors and Asset Classes During a Downturn
        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Squirrel Review
        • Sharesight Review
        • Lifetime Retirement Income
        • New Zealand Financial Markets Authority (FMA)
      • Calculators
        • Managed Funds Fee Calculator
        • Basis Points Calculator
        • Inflation Calculator
        • Retirement Calculator New Zealand
    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
        • CMC Markets Review
        • Plus500 Review
        • IG Review
        • TMGM Review
        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
        • How to Invest in Silver
        • Forex Trading Guide
          • Forex Trading Platforms Comparison
          • Forex Trading Tools
          • Forex Trading Courses and Education
          • Forex Regulation
        • Options Trading
        • Contracts for Difference (CFDs) Guide
        • Futures Trading
        • Commodities Trading
        • Copy Trading
      • Cryptocurrency
        • Reviews
          • Easy Crypto Review
          • Swyftx Review
          • Binance Review
          • Easy Crypto vs Swyftx
          • NZDD Review
          • Independent Reserve Review
          • eToro Review
          • Coinbase Review
          • Kiwi-Coin Bitcoin Exchange Review
          • Vault International Bitcoin Fund Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
          • Stablecoins
          • Guide to NFTs
          • Bitcoin Wallet Guide
          • Bitcoin Mining
          • How to Sell Bitcoin
          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Best Car Finance
      • Loan Types
        • Electric Vehicle Loans
        • Car Loan Refinance
        • Bad Credit Car Loans
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        • Asset Finance
      • Tools & Calculators
        • Car Finance Calculator
        • Car Loan Amortisation Calculator
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        • Motorcycle and Moped Loan Calculator
        • Asset Finance Repayment Calculator
        • Boat Financing Calculator
      • Resources
        • Car Finance Documents Checklist
        • Car Dealership Finance vs Alternatives
        • Buying a Car Loan vs Personal Loan?
        • Car Loans and Collateral
        • Car Loan Guarantors
        • How to Save for a Car
        • Paying Cash for a Car vs Car Finance
        • Balloon Payments
        • Car Loan Brokers vs Direct Car Finance
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance by Vehicle
        • Toyota Aqua Financing Guide
        • Toyota Corolla Financing Guide
        • Toyota HiAce Financing Guide
        • Toyota RAV4 Financing Guide
        • Toyota Hilux Financing Guide
      • Car Finance Add-On Insurance
        • Compare Mechanical Breakdown Insurance
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • PPI (Payment Protection Insurance)
    • Best Personal Loans
      • Loan Types
        • Debt Consolidation Loans
        • Secured Loans
        • Bad Credit Loans
        • Green Loans
        • Home Renovation Loans
        • Online Loans
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        • Low Income Loans
        • Beneficiary Loans
      • Tools & Calculators
        • Personal Loan Calculator
        • Debt Consolidation Calculator
        • Refinance Personal Loan Calculator
        • Home Renovation Loan Calculator
        • Interest Calculator
      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Debt Solutions
        • How to Pay Down Debt Faster
        • Baycorp and Debt Collection
        • The Dangers of Debt Consolidation
        • Using Home Equity for Non-Essential Expenses
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Overview
    • Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
        • Compare Toyota Corolla Insurance Costs
        • Compare Toyota Hilux Insurance Costs
        • Compare Mazda2 and Demio Insurance Costs
        • Compare Ford Ranger Insurance Costs
        • Compare Nissan Navara Insurance Costs
        • Compare Subaru Legacy Insurance Costs
      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
        • Cove Car Insurance - Real Customer Reviews & Facts
        • Tower Car Insurance Review
        • Young Driver Car Insurance
        • Trade Me Car Insurance Review
        • Caravan Insurance
      • Car Insurance Guides
        • Third Party Car Insurance
        • How to Get Cheaper Car Insurance
        • Car Insurance Calculator
        • No Claims Bonuses Explained
        • Car Insurance Excess Explained
        • Cheapest Cars to Insure
        • Modifications that Make a Car Uninsurable
        • Car Insurers Directory
        • Car Insurance Glossary
        • Most Stolen Cars
    • Home & Contents Insurance
      • House Insurance
      • House Insurance Calculator
      • Home and Contents Insurance
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Area Replacement vs Sum Insured
      • Natural Disaster House Insurance
      • MAS House Insurance - Real Customer Reviews & Facts
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Renters' Insurance
      • Students Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
    • Life & Health Insurance
      • Compare Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • Life Insurance Explained (Videos)
        • Stepped vs Level Life Insurance
        • Life Insurance Calculator
        • Pre-Existing Medical Conditions
        • Buying Life Insurance Direct vs Using an Insurance Broker
        • Life Insurance Policies - Features and Questions to Ask
        • When To Cancel Or Change a Life Insurance Policy
        • Life Insurance For Smokers and Vapers
      • Health Insurance
        • Health Insurance Explained (Videos)
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • Income Protection Insurance Explained (Videos)
        • ACC vs Income Protection Insurance
        • Income Protection Insurance for Self Employed
      • Mortgage Insurance
      • Trauma Insurance
      • Redundancy Insurance
      • Funeral Insurance
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
    • Travel Insurance
      • Compare Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • Travel Insurance by Destination
        • Australia and the Pacifc
          • Australia Travel Insurance
          • Fiji Travel Insurance
          • Rarotonga Travel Insurance
        • Asia
          • Bali Travel Insurance
          • China Travel Insurance
          • India Travel Insurance
          • Japan Travel Insurance
          • Malaysia Travel Insurance
          • Singapore Travel Insurance
          • South Korea Travel Insurance
          • Thailand Travel Insurance
          • Vietnam Travel Insurance
        • Americas & Africa
          • Canada Travel Insurance
          • Peru Travel Insurance
          • South Africa Travel Insurance
          • USA Travel Insurance
        • Europe
          • France Travel Insurance
          • Greece Travel Insurance
          • Italy Travel Insurance
          • UK Travel Insurance
      • Specific Risk Cover
        • Do I Need Travel Insurance?
        • Pregnancy Travel Insurance
      • Travel Insurer Reviews
        • Southern Cross Travel Insurance Review
        • AMI Travel Insurance Review
        • State Travel Insurance Review
      • Essential Information
        • Basic vs Comprehensive Travel Insurance
        • Health Insurance vs Travel Insurance
        • ACC vs Travel Insurance
        • Australia NZ Reciprocal Health Care Agreement
        • Travel Insurance Excess Explained
        • Claiming on Travel Insurance
        • How to Renew a New Zealand Passport
        • What is TAANZ?
        • Travel Packing List
        • Travel Insurers Directory
        • Travel Insurance Glossary
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
      • Co-Shareholder Insurance Cover
    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Credit Cards That Earn Business Class Flights
    • The Best American Express Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – Best Replacement Options
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
    • Balance Transfer Credit Cards
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Reviews
      • American Express Credit Cards Review
        • American Express Airpoints Platinum Review
        • AMEX Airpoints Platinum - Real Cardholder Reviews & Facts
        • American Express Gold Rewards Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Membership Rewards Program Review
        • AMEX Cardholder Feedback
        • Valuing AMEX Membership Rewards Points
        • AMEX Dining Collection Program Review
        • The Best Ways to Spend AMEX Membership Rewards Points
        • Qantas Credit Cards
        • Qatar Airways Credit Cards
        • Singapore Airlines KrisFlyer Credit Cards
        • Cathay Pacific Asia Miles Credit Cards
        • Emirates Skywards Credit Cards
        • RewardPay Review
      • Flight Centre Mastercard Review
    • Guides
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Mastercard vs Visa
      • Credit Card Minimum Payments Explained
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Credit Cards
      • Best Foreign Currency Debit & Credit Cards
      • Free Credit Cards
      • Low Interest Credit Cards
      • Credit Cards for Bad Credit
      • Q Card & Q Mastercard Review
      • GEM Visa Review
      • Onecard Visa Review
      • Purple Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Private Banking
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2025 & 2026
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Equity (and Leverage) Calculator
      • Mortgage Repayment Calculator
      • Mortgage Options
      • Mortgage Cashback
    • Other Mortgage Options
      • Interest-Only Mortgages Guide
      • Interest-Only Mortgage Calculator
      • Revolving Credit Mortgages
      • Offset Mortgages
      • Offset Mortgage Calculator
      • Fixed vs Floating Mortgage Rate Calculator
      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
      • Low-Deposit Home Loans
      • Rent to Own Homes
      • First Home Loan Guide
      • Reverse Mortgages
      • Lifetime Home Review
    • Mortgage Management
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Trusted Auckland Mortgage Brokers
      • Trusted Hamilton Mortgage Brokers
      • Trusted Mortgage Brokers in Tauranga
      • Trusted Mortgage Brokers in Napier and Hastings
      • Trusted Mortgage Brokers in Wellington
      • Trusted Mortgage Brokers on the Kapiti Coast
      • Trusted Mortgage Brokers in Christchurch
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyers Checklist
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
      • Choosing a KiwiSaver Fund
      • How Aggressive Should KiwiSaver Be
      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
      • Opting out of KiwiSaver
      • What Do I Do With My KiwiSaver When I Retire?
      • KiwiSaver Withdrawal
      • Merging KiwiSaver and Australian Super Balances
      • Switching KiwiSaver Funds
      • KiwiSaver Robo and Digital Advice Tools
      • Ethical Kiwisaver Funds
      • KiwiSaver Private Equity Investments
    • KiwiSaver Contributions & Tax
      • Your KiwiSaver Contributions
      • KiwiSaver Contributions - Gross or Net?
      • Employer KiwiSaver Contributions
      • Government KiwiSaver Contributions
      • KiwiSaver Savings Suspensions
      • Voluntary Contributions
      • What's My PIR?
      • KiwiSaver and Tax
    • KiwiSaver for Life Events and Specific Situations
      • Average KiwiSaver Balance by Age
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Investment Traps to Avoid When Accessing Your KiwiSaver Funds at 65
      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Business Loans & Tools
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Small Business Loans
      • Prospa Business Loans Review
      • Business Line of Credit
      • Business Borrowing Options
      • Business Loan Calculator
      • Business Loan Brokers Explained
      • Commercial Vehicle Finance Options
      • Invoice Finance
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Wise Business Account Review
    • Business Essentials
      • Money Saving Tips For Businesses
      • Get Debtors to Pay Overdue Invoices
      • Working Capital
      • Liquidations and Receiverships
      • Can't Make Payroll Guide
      • Buying out a Business Partner
      • Business Brokers
    • PAYE & Taxes
      • PAYE Calculator
      • Provisional Tax
      • Lighthouse Accounting Services Review
      • PAYE Tax Rates 2025 & 2026
      • Tax Codes in New Zealand
      • Minimum Wage
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • ROI Calculator
      • IRR Calculator
      • Internal Rate of Return
      • Percent Off Calculator
      • Profit Margin Calculator
      • Current Ratio Calculator
      • Quick Ratio Calculator
    • Online Services
      • Domain Names
      • Trusted Web Designers
        • Auckland Web Designers
        • Hamilton Web Designers
        • Wellington Web Designers
        • Christchurch Web Designers
        • Tauranga Web Designers
        • Lower Hutt Web Designers
        • Dunedin Web Designers
      • Digital Identity Programs and Online Verification Tools
      • Trusted Auckland SEO Companies
      • Digital Marketing Agencies Auckland
      • Video Production Auckland
      • Social Media Influencer Marketing
      • PayPal NZ Account Fees
      • Paypal vs Stripe Review
      • Hnry Review
      • n3 Trade Card Review
      • Plain English Awards
      • Retail Security Options and Costs
    • For Startups
      • How to Start a Business in New Zealand
      • Raising Capital
      • Product Market Fit
      • Crowdfunding vs Bank Financing
      • Blackbird vs Movac
      • How to Become an Angel Investor
      • How to Raise Money from Angel Investors
      • Alternatives to VC Funding
      • Hiring for a Startup
      • VCFO (Virtual CFO)
      • New Zealand Startup and Founder Incubators
      • Expanding Offshore
      • New Zealand Invoice Template
      • Business Podcasts
      • Attending the Singapore FinTech Festival
  • MSD
    • Navigating Work and Income Benefits
    • Jobseeker Support Benefit Rates 2025 and 2026
    • Jobseeker Support Guide
    • Accommodation Supplement Guide
    • SuperGold Card Review
    • Disability Allowance
    • MyMSD
    • Community Services Card
    • Hardship Assistance - Urgent Costs and Living Expense Assistance
    • Loans for Unemployed
    • Working for Families Guide
    • Childcare Subsidies in New Zealand
    • Super Rates 2025 and 2026
    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
    • Food Banks Directory
      • Food Banks Auckland
      • Food Banks Northland
      • Food Banks Hamilton Waikato
      • Food Banks Wellington
      • Food Banks Christchurch
  • Motoring
    • Buying and Selling a Car
      • Car Valuations
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    • Pet Insurance
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    • Business Insurance
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    • Find a Broker
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  • Credit Cards
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      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
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      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
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    • Balance Transfer Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Membership Rewards Program Review
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        • Qantas Credit Cards
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        • RewardPay Review
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    • Guides
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  • Travel Money Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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      • Booster Savvy Review
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    • Guides and Resources
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    • Reviews
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  • Mortgages
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    • Alternative Mortgage Options
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      • Saving for a House Deposit
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      • Top 10 Areas for First Home Buyers 2025
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      • What To Do if You Bought a House at the Peak of the New Zealand Market
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • New Zealand Property Types
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    • Selling a Home
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      • Bridging Finance
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      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
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      • 20 Property Investment Risks You Can't Ignore
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    • Building a House
      • NZCB Review
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      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Is KiwiSaver Safe?
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      • KiwiSaver Must-Know Facts
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      • Feijoa Review
    • KiwiSaver Schemes
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    • KiwiSaver Calculators
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  • Business Loans & Tools
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    • For Startups
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  • MSD
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  • Motoring
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    • Car Dealerships Explained
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    • Warrant of Fitness
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  • Law
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • Air New Zealand Skycouch Review
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      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
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      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
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    • Foreign Currency Exchange
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Revolut eSIM – Real User Reviews, Facts & Comparison
    • Saily Review
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    • Apple Watch Buying Guide
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    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • One NZ Broadband Review
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      • Skinny Review
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  • Power
    • Compare Power Companies
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    • Fixed Contracts vs Open Power Plans – What You Need to Know
    • Electric Vehicle Power Plans
    • How to Use Less Power
    • Power Companies
      • Contact Energy Review
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  • Essential Money Tips
    • Must-Read Lists & Tips
      • Fleeced Kiwi Awards 2025
      • Best and Worst Loyalty Programmes
      • 10 Things to Do Differently with Money in 2026
      • 10 Signs You’re in Financial Danger
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      • 20 Things to Stop Buying to Have More Money
      • 20 Must-Know Money Lessons (Learned From Experience)
      • 20 Frugal Decisions That Often Backfire
      • 20 Money Habits that Keep You Poor
      • 20 Ways to Save on Household Bills
      • 20 Supermarket Ripoffs
      • 10 Hidden and Exorbitant Costs of Living in New Zealand
      • 10 Simple Financial Steps with Massive Future Payoffs
    • Money & Relationships
      • Bailing Out Your Partner Financially
      • Financial Red Flags in a Relationship
      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
      • Teaching Kids About Money
      • Single Parenting and Money
      • Tips for Families on a Single Income
      • Financial Planning for Children With Disabilities
    • Valuable Insights
      • Why Am I Not Wealthy?
      • Can the Average New Zealander Become a Millionaire?
      • Money Habits Keeping You in the Rat Race
      • 15 Great Things New Zealanders Can be Optimistic About
      • How to Survive a Recession
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      • Stealth Wealth
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      • Average NZ Salary by Age
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      • Dental Costs
      • Charities in New Zealand
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    • Challenging Economic Conditions
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      • How to Protect Your Finances from Inflation
      • Impacts of Inflation in New Zealand
      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
      • Should I Stop Contributing to KiwiSaver?
  • Financial Independence
    • FIRE Guides
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Retirement in a Nutshell
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      • 10 Habits of Quiet Millionaires
      • Financial Freedom by 50
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      • How to Retire Early
      • FIRE Explained
      • The Four Percent Rule
      • Achieving Financial Independence, Faster
      • Five Types of FIRE Plans
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
    • FIRE Tools
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      • SortMe Review
    • Repaying Debt
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      • Bankruptcy Guide
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Choosing an Accountant
      • Accountants in Auckland
      • Accountants in Wellington
      • Tax Refunds
  • Life Essentials
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      • Make Money Online
      • Paid Survey Websites Review
        • Ipsos iSay Review
        • Nielsen Homescan Review
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        • Valued Opinions Review
        • Opinion World Review
        • Triaba New Zealand Review
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      • Free Samples
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      • Hosting International Students
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    • Kids Eat Free
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      • HelloFresh Review
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      • Online Supermarkets
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      • Supermarket Christmas Clubs
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    • Entertainment
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      • Disney+ Review
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    • Consumer Rights
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      • Tenant and Landlord Obligations & Rights
    • School Holiday Activities
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    • Shopping Resources
      • 65+ Best Online Shopping Websites in New Zealand
      • Shoe Size Conversion Guide
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      • Temu Review
      • Affordable Online Clothes Shopping
      • Best Baby Clothes
      • Buy Books Online
      • Black Friday New Zealand Deals
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    • Living Essentials
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      • Gym Memberships Guide
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    • Senior Living
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    • Wedding Resources
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    • Home & Kitchen
      • Bathroom Renovations Guide
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How to Get Access to Airport Lounges - The Definitive New Zealand Guide

Learn cost-effective ways to access airport lounges in New Zealand and beyond. Explore options from credit card benefits to day passes and how to evaluate whether a particular lounge is right for you - our guide reveals all.
How to Get Access to Airport Lounges NZ
Updated 12 October 2025

Summary
  • With credit cards no longer offering Air New Zealand lounge passes, lounge options are arguably limited for everyday travellers. 
  • The good news is that there are ways to get lounge access without joining the Koru Programme, buying expensive business class airfares, or being a gold-level frequent flyer. 
  • Our guide explains the options - credit card vouchers, pay-as-you day passes, lounge memberships, credit card benefits, and exclusive airline offers. 
  • While lounge access is never necessary, it provides a haven from the hustle of a busy airport, and you'll get complimentary food and a fully-stocked bar. However, lounge quality varies - most travellers would agree the best have space to sit, good food and self-serve drinks. The worst are notoriously crowded and serve bland food with an understaffed tendered bar. 
  • Warning: If you plan to buy a day pass for a lounge, we suggest searching for online reviews before buying. Some lounges take your money and offer very little, which can instantly disappoint. Be sure what you're paying for is good value for money too - our view is that any airport lounge charging over $70 per person is either excellent or a rip-off; our research team has experienced both at airports worldwide.

To help you understand your options, our guide covers the following:
  • How to Get Access to Airport Lounges - Your Options
  • Concluding Comments and Cost-Effective Options
  • Frequently Asked Questions

Know This First: Is the Food and Beverage Offering in the Lounge Worth the Price?
  • The quality and variety of food and beverages in airport lounges can vary significantly. While some lounges offer high-quality food and a fully-stocked bar, others might be known for bland food and understaffed bars.
  • It's best to check online reviews before purchasing a day pass for a particular lounge, and make sure the lounge will be open when you're at the airport (as lounges operate separately to airlines so timings won't always correspond).
  • If you're a couple, ask yourself - is it worth paying $120-$150 for a couple of hours sitting in a room with food and drinks before a flight? While it's a convenient perk of certain credit cards, it's debatable the value for money you receive for paying for access.
  • Airline-operated lounges, are, in most cases, superior in offering to 'third-party' lounges, given the brand association and the fact that airlines use them for their premium passengers (e.g. gold-level frequent flyers and those with business class tickets). For example, there's a big difference between the Auckland Emirates Lounge and the Auckland Strata Lounge regarding comfort and food and beverage quality. However, the three-fold price difference for a day pass reflects that.

Advertising Disclaimer: We may receive payment if you sign up for a credit card via MoneyHub - please read our advertising policy for more details. 

Important: Do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
  • Australia and the Pacific: Australia, Fiji and Rarotonga
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Are you flying long-haul and stopping in Singapore, Doha, Dubai or another transit point? MoneyHub Founder Christopher Walsh shares his tips:

"New Zealanders often have 2-4 hours transit in an Asian, Middle Eastern or USA airport when travelling overseas. For many, it's a simple clearing of security, browsing shops, taking a bathroom break, and heading to the gate for the next flight. However, if you want to break the journey up with a lounge, my view is simple - you're best to book a lounge with a shower to get more for your money, but not all have that facility".

“The most straightforward method to secure a day pass for airport lounges is to visit LoungePair.com. By searching for your airport on their website, you can quickly view the available options and transparent pricing. They compare pricing from varying vendors, so you always know you are getting the best price. For added comfort, especially before a long flight, look for lounges with amenities such as showers, which LoungePair clearly indicates for each lounge listing in their descriptions.”

"My suggestions, based on experience, are as follows:
  • For Singapore, my preferred paid option is the swimming pool (around NZ$25) which has sunbeds, showers and towels.
  • For Doha (Qatar), the lounges are very expensive (e.g. NZ$100+), but there are relaxing rooms (gender segregated) which are useful if your Qatar Airways flight connection is a bit longer than you'd like. A paid option is sleep ‘n fly who offer pods that are like a Business Class recliner seat. These can be purchased online in advance, or you can try your luck and bid for access with LoungePair to get at a cheaper price.
  • For Dubai (United Arab Emirates), there is a lot of choice and the prices aren't too outrageous - many have showers too. LoungePair.com is a good starting point, but you can get a complimentary shower (located in Terminal 3 between gates B13 and B19). The Emirates Lounge is US$150+ which is near-impossible to justify.
  • For Hong Kong, almost every lounge is operated by Plaza Premium - you can see a full list here.
  • For Taipei (Taiwan) and Guangzhou (China), Plaza Premium is also the operator - you can search the options here.
  • If you're transiting through the USA (Los Angeles, San Francisco, Chicago, Houston, Dallas, New York), the hassle (and unknown time) of clearing immigration and re-checking luggage minimises any transit time, so my view is to stay clear of booking any lounge in advance.
  • Other transit points, such as Kuala Lumpur have lounges on LoungePair.com which are worth considering".
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Airport Lounge Shower Icon
Airport Lounge Shower Icon

Why the AMEX Airpoints Platinum is the Ultimate Lounge Access Card for New Zealanders

After analysing every credit card option available, one card stands out as the clear winner for lounge access: the American Express Airpoints Platinum Card.

Here's Why It's a Game-Changer:

1) 4 Premium Lounge Passes Every Year
  • Two passes for Auckland Airport's international Strata lounge
  • 2 passes for exclusive AMEX lounges in Sydney and Melbourne
  • Each pass is worth $50-100 = $200-$400 in annual value
  • Use them yourself or treat travel companions

2) Double the Airpoints Earning Rate
  • Earn 1 Airpoints Dollar per $70 spent (vs $110-200+ on bank cards)
  • That's nearly 2x faster than ANZ or Westpac Platinum cards
  • Turn everyday spending into your next flight upgrade

3) Excellent Comprehensive Travel Insurance
  • Our dedicated guide explains more

Why the card is popular:
  • Annual fee: $195
  • Lounge passes value: $200+
  • Welcome bonus: 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only.
  • Free travel insurance: Often $100+ if purchased separately per trip (based on our research)
  • Total first-year value: $500+ for a $195 fee
  • Worried about AMEX acceptance? AMEX cardholders report 90-95% of their monthly spending goes through without issues - supermarkets, petrol stations, and online shopping all sorted - our guide explains more. 

We see the card as suitable for:
  • Anyone taking 2+ international trips per year
  • Couples who want lounge access together (2 passes = both of you)
  • Regular Tasman travellers (AMEX lounges in Sydney/Melbourne are exceptional)
  • Airpoints members wanting to earn faster
  • Smart spenders who pay off their credit card balance monthly

Why This Card Beats the Competition: Unlike the Westpac and ANZ Airpoints Platinum cards, which don't offer any lounge passes, the AMEX Airpoints Platinum is specifically designed for New Zealand travellers. It's the only credit card that combines pre-loaded lounge passes with the highest Airpoints earn rate.

The Bottom Line: If you're still paying for lounge access or crawling toward Airpoints rewards with a bank card, you're leaving money on the table. For less than $4 per week, you're getting premium lounge access, faster rewards, and peace of mind with insurance. We're pleased to see the card named the Best Airline Credit Card 2021-2025 in the MoneyHub Editor's Choice Awards.
AMEX Airpoints Platinum
MoneyHub Editor's Choice Award
Learn More About AMEX

How to Get Access to Airport Lounges Options

How to Get Access to Airport Lounges - Your Options:

How to Get Access to Airport Lounges Options

Credit Cards

The banks did away with Air New Zealand lounge e-vouchers in 2022; before that, cardholders had to spend $20,000 to $30,000 for two lounge e-vouchers to be loaded into the Air New Zealand account. However, there are some low-cost options:
  1. American Express offers its popular Airpoints Platinum Card is loaded with four lounge passes every year; you can read our review of the card here. 
  2. The Westpac World Mastercard offers Priority Pass membership, which has unlimited access for the member.​
How to Get Access to Airport Lounges Options

Non-Airline Lounge Day Passes

  • You can buy a pass for privately-owned lounges such as Strata (Auckland International Airport) and Manaia (Christchurch and Queenstown). These lounges don't belong to any airline; instead they host guests from airlines without lounges, credit card voucher holders, lounge memberships and those wanting to buy a day pass.
  • The most popular option to find pricing and buy a pass will be to use a website like Loungepair.com. The best approach is to check the price compared to buying directly from the operator - often, it's cheaper, but not always. For example:

Auckland Airport's Strata Lounge:
  • $66 booked direct with Auckland Airport
  • £43 (approx $70) booked via LoungePair.com

Queenstown Airport's Manaia Lounge:
  • $65 booked direct with Queenstown Airport on walk-up to the lounge
​
Christchurch Airport's Manaia Lounge:
  • $40 (around £32, or $65 when booked with the operator, Plaza Premium.
How to Get Access to Airport Lounges Options

Airline Lounge Day Pass

A handful of airlines serving New Zealand offer fixed rates or invites to buy lounge access. However, it's questionable what value for money they provide the typical traveller crossing the Tasman or heading off further.

Emirates
  • Emirates offers any traveller the choice of paying to enter its lounges in Dubai and at selected airports worldwide. You can see a complete price list here.
  • While all lounge access is priced in USD, it's around NZ$200 per person to visit an Emirates lounge, which is a significant outlay for what's usually a 1-2 hour stay. 

Qantas 
  • Qantas offers, from time to time, an email offer to pay for lounge access per its lounge information.
  • The costs range, but our research suggests it's around NZ$70 to NZ$100, depending on the airport. However, there's no guarantee of an invite, and you'll need to prepay the fee if you get an offer and decide to go ahead.
  • You can't walk up and pay at a Qantas lounge once at the airport.

Other Airlines
Singapore Airlines, Qatar Airways, United, American Airlines, Delta, China Southern and Malaysia Airlines (and others serving New Zealand) don't offer paid lounge access in Auckland, Christchurch or their hubs. If you want lounge access during a long-haul flight, the best option will likely be pay-as-you-go with a third-party operator;a good starting point to find an option is LoungePair.com.
How to Get Access to Airport Lounges Options

Priority Pass

Priority Pass is an airport lounge access membership program, which costs around US$100 per year, and allows you and a guest to pay US$35 per lounge access on their network of lounges.

While not popular in New Zealand, given the lack of local lounges, globally, Priority Pass has hundreds of thousands of members who have access to 1,000+ lounges in 600+ cities in 140+ countries. However, the options in New Zealand and Australia are limited, and booking a pay-as-you-go lounge visit is likely cheaper. 

You can read more about Priority Pass and the membership options here. However, our view is that it's not going to be valuable for most New Zealanders.
How to Get Access to Airport Lounges Options

Buy a Koru of Qantas Club Membership

Both Air New Zealand and Qantas have annual memberships to their lounge network. Our guide to whether or not Koru membership is worth the cost covers the pros and cons of Air New Zealand's lounge network offering. The Qantas Club costs around the same amount (NZ$600+ a year), but unless you're flying to and from Australia often and booking Qantas, it's unlikely to offer much value.

How to Get Access to Airport Lounges Concluding Comments

Concluding Comments and Cost-Effective Options

Our view:
  • The most convenient and cost-effective way to visit a lounge is to use a cost-effective day pass. However, paying around $50-66 to sit in a crowded lounge to eat from a buffet isn't for everyone. We recommend using a site like LoungePair.com to compare pricing between different options.
  • Many New Zealanders use a credit card that comes loaded with lounge passes to cover a couple of trips a year. The American Express Airpoints Platinum offers four lounge passes (worth around $240+) in airports around Australia and New Zealand. The card also has many other benefits, as our review outlines. 

Are you a family of three, four or more travelling together? Evaluate the cost vs benefit before booking.
  • Buying lounge passes is likely to be expensive and not worth it. Unless you have young kids, who can usually get in for a significant discount, it's likely to cost $200+ to get four people admitted. We believe the money can be better spent at your destination and/or at a cafe/bar at the airport.

How to Get Access to Airport Lounges FAQs

Frequently Asked Questions

Can I Get Lounge Access with a Credit Card?

Yes - Although Air New Zealand discontinued offering lounge e-vouchers with credit card spend in 2022, certain cards like American Express Airpoints Platinum Card and the Westpac World Mastercard still offer lounge passes or lounge membership benefits.

The price for a non-airline lounge day pass varies. For example, you can access Auckland's Strata Lounge for about $66. It is recommended to check the prices on LoungePair.com and compare rates - they're often not the same.

Can I Purchase a Day Pass for an Airline Lounge in New Zealand?

It depends on the airline - Emirates offers the option to purchase a day pass for their Auckland lounge. However, the value for money is arguable, given the typically high costs and short durations of stay. Other airlines don't offer access like Emirates - Qantas may send an invite to pay for lounge access, but there's no guarantee.

Is Priority Pass a Good Option for New Zealanders?

Priority Pass offers access to numerous lounges worldwide but is not popular in New Zealand due to the lack of local lounges. It could be useful if you travel globally often; otherwise, purchasing a pay-as-you-go lounge visit is likely more cost-effective.

Are there Family Discounts for Lounge Access?

Some lounges may offer discounts for young children, but generally, buying lounge passes for a family of four or more can be expensive and may not offer the best value for money. Spending that money at a cafe or bar at the airport or your destination may be more economical.

What is the Most Cost-Effective Way to Gain Lounge Access in New Zealand?

We believe the American Express Airpoints Platinum is the most cost-effective, given it comes loaded with four lounge passes without the need to spend, and you can use them for guests travelling with you. Given the card has an Airpoints dollar signup bonus, free travel insurance and other benefits, the annual fee ($195) more than covers four visits to a lounge if you would otherwise pay for a day pass.

Besides this credit card, the most cost-effective way to access a lounge is through a day pass. 

Are There Time Restrictions for Lounge Access?

Lounge access times vary based on the specific lounge and can be affected by factors like your flight time and the lounge's operating hours. Some lounges may limit the duration of your visit, so it's important to check these details ahead of time and ensure that the lounge you prepay to visit is open when your flight is departing.

Can I Bring a Guest With Me into the Lounge?

This depends on the specific lounge and your access method. Some lounge passes, or memberships allow you to bring a guest, either free of charge or for an additional fee. Be sure to check the guest policy for your specific pass or membership.

Are There Specific Dress Codes for Airport Lounges?

Most airport lounges have a smart casual dress code, which can vary. Some lounges may refuse entry to guests dressed in sportswear, beachwear, or other overly casual clothing. It's best to check the specific dress code for your chosen lounge.

Is Pay-As-You-Go Access Available at All Lounges?

No, pay-as-you-go access isn't available at all lounges. While some lounges offer this, others may only be accessed via specific credit card benefits, memberships (e.g. Air New Zealand Gold or Qantas Gold), or business/first-class tickets. Always check the access requirements of the specific lounge you're interested in.

Are the Airport Lounges Worth the Cost if I Only Have a Short Layover?

If your layover is short, you might not get much value from purchasing lounge access, especially considering the cost. However, it might be worth considering if you would benefit from a quiet place to relax or if you want to take advantage of the food, drink, and other amenities. Evaluate your specific needs and the duration of your layover before deciding.

Why the AMEX Airpoints Platinum is the Ultimate Lounge Access Card for New Zealanders

After analysing every credit card option available, one card stands out as the clear winner for lounge access: the American Express Airpoints Platinum Card.

Here's Why It's a Game-Changer:

1) 4 Premium Lounge Passes Every Year
  • Two passes for Auckland Airport's international Strata lounge
  • 2 passes for exclusive AMEX lounges in Sydney and Melbourne
  • Each pass is worth $50-100 = $200-$400 in annual value
  • Use them yourself or treat travel companions

2) Double the Airpoints Earning Rate
  • Earn 1 Airpoints Dollar per $70 spent (vs $110-200+ on bank cards)
  • That's nearly 2x faster than ANZ or Westpac Platinum cards
  • Turn everyday spending into your next flight upgrade

3) Excellent Comprehensive Travel Insurance
  • Our dedicated guide explains more

Why the card is popular:
  • Annual fee: $195
  • Lounge passes value: $200+
  • Welcome bonus: 300 bonus Airpoints Dollars when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only.
  • Free travel insurance: Often $100+ if purchased separately per trip (based on our research)
  • Total first-year value: $500+ for a $195 fee
  • ​Worried about AMEX acceptance? AMEX cardholders report 90-95% of their monthly spending goes through without issues - supermarkets, petrol stations, and online shopping all sorted - our guide explains more. 

We see the card as suitable for:
  • Anyone taking 2+ international trips per year
  • Couples who want lounge access together (2 passes = both of you)
  • Regular Tasman travellers (AMEX lounges in Sydney/Melbourne are exceptional)
  • Airpoints members wanting to earn faster
  • Smart spenders who pay off their credit card balance monthly

Why This Card Beats the Competition: Unlike the Westpac and ANZ Airpoints Platinum cards, which don't offer any lounge passes, the AMEX Airpoints Platinum is specifically designed for New Zealand travellers. It's the only credit card that combines pre-loaded lounge passes with the highest Airpoints earn rate.

The Bottom Line: If you're still paying for lounge access or crawling toward Airpoints rewards with a bank card, you're leaving money on the table. For less than $4 per week, you're getting premium lounge access, faster rewards, and peace of mind with insurance. We're pleased to see the card named the Best Airline Credit Card 2021-2025 in the MoneyHub Editor's Choice Awards.
AMEX Airpoints Platinum
MoneyHub Editor's Choice Award
Learn More About AMEX

Related guides:
  • ​How to Redeem Air New Zealand Airpoints Dollars
  • The Fastest Way To Earn Air NZ Status Points
  • ​Is Koru Membership Worth the Cost?
  • Air New Zealand Credit Cards
  • Air New Zealand OneUp
  • Cheap Domestic Travel
  • AMEX Airpoints Platinum Card Review
  • ANZ Airpoints Platinum vs AMEX Airpoints Platinum
  • ​Westpac Airpoints Platinum vs AMEX Airpoints Platinum

​Important: Do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
  • Australia and the Pacific: Australia, Fiji and Rarotonga
  • Asia: Bali, China, India, Japan, Malaysia, Singapore, South Korea, Thailand and Vietnam
  • Americas & Africa: Canada, Peru, South Africa and USA
  • Europe: France, Greece, Italy and the UK
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        • How to Invest in the NASDAQ from New Zealand
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    • Introduction to Investing
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      • Young People and Investing
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          • Craigs Investment Partners Review
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        • Bank Credit Ratings
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      • Reviews
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    • Alternative Investments and Trading
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      • Guides
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        • Guides
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          • Other Coins
            • How to Buy Ripple in New Zealand
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  • Loans & Finance
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  • Insurance
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    • Pet Insurance
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    • Business Insurance
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  • Credit Cards
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
    • Banking
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    • Savings
      • Best Term Deposits
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      • Booster Savvy Review
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  • Mortgages
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      • Top 10 Areas for First Home Buyers 2025
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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      • New Zealand Property Types
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      • Leasehold Property Guide
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    • Selling a Home
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      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
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      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
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      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Our Favourite KiwiSaver Funds
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      • Free $500+ Government Money for KiwiSaver
      • Is KiwiSaver Safe?
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      • Choosing Your KiwiSaver Scheme
      • Balanced vs Moderate vs Growth KiwiSaver Funds - What is right for me?
      • KiwiSaver Must-Know Facts
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      • Feijoa Review
    • KiwiSaver Schemes
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      • MAS KiwiSaver Scheme
        • MAS Review
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    • KiwiSaver Calculators
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  • Business Loans & Tools
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      • PayPal NZ Account Fees
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    • For Startups
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  • MSD
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  • Motoring
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