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
        • 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
        • Best Investment Apps
        • 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
        • 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
        • Best 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 Top 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
        • Advisers
          • 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 Nelson & Tasman
          • Financial Advisers Christchurch
          • Financial Advisers Dunedin
          • Lighthouse Financial Services Review
        • Bank Credit Ratings
        • Tax on Investments and Savings
        • Capital Gains Tax
        • Bright-Line Test
        • Ethical Investing
        • Best 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
        • Returning to the UK from NZ
        • Spending Your Savings in Retirement
        • How to Take Income from Investments
        • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
        • 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
        • Lending Crowd 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
    • Car Finance
      • Car Finance Calculator
      • Electric Vehicle Loans
      • How to Refinance Your Car Loan
      • Car Loan Refinance Calculator
      • Car Dealership Finance vs Alternatives
      • Motorcycle and Moped Loans
      • Motorcycle and Moped Loan Calculator
      • Asset Finance
      • Asset Finance Repayment Calculator
      • Business Vehicle Loans
      • Bad Credit Car Loans
      • Car Loan Brokers vs Direct Car Finance
      • Car Loan Amortisation Calculator
      • Car Finance Company Reviews
        • Simplify Loans Review
        • Toyota Finance Review
        • Mazda Finance Review
        • MTF Finance Review
        • AA Money Review
        • Better Finance Review
        • Kiwi Car Loans Review
        • Lending People Review
        • Driva Car Loans Review
      • Car Finance Must-Knows Guides
        • 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
        • Boat Financing Calculator
      • Car Finance Add-On Insurance Guides
        • GAP (Guaranteed Asset Protection Insurance) Insurance
        • Compare Mechanical Breakdown Insurance
        • PPI (Payment Protection Insurance)
    • Personal Loans
      • Debt Consolidation Loans
      • Secured Loans
      • Green Loans
      • Home Renovation Loans
      • Online Loans
      • Bad Credit Loans
      • Beneficiary Loans
      • Payday Loans
      • Cash Advance
      • Same Day Loans
      • Low Income Loans
      • Personal Loan Calculator
      • Debt Consolidation Calculator
      • The Dangers of Debt Consolidation
      • Refinance Personal Loan Calculator
      • Home Renovation Loan Calculator
      • Interest Calculator
      • Harmoney Loans Review
      • Money Sweetspot Review
      • Nectar Review
      • Avanti Finance Review
      • Save My Bacon Review
    • Credit Scores & Interest Rates
      • Credit Scores and Credit Checks
      • How to Build Credit in New Zealand
      • How to Pay Down Debt Faster
      • Baycorp and Debt Collection
      • Interest Rates Guide
      • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
        • Laybuy Review
        • Humm Review
        • Zip Review
  • Insurance
    • Compare Insurance
      • Compare 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
        • 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 and Other Insurance
      • House Insurance
      • House Insurance Calculator
      • Best Holiday Home and Airbnb Insurance Policies
      • Difficult to Insure Areas
      • Sum Insured Explained
      • Is Your Home an Insurance Risk?
      • Average Cost of Car, House, and Contents Insurance
      • Insuring Old Houses
      • Contents Insurance
      • Home and Contents Insurance
      • Renters' Insurance
      • Landlord Insurance
      • Dental Insurance and Dentist Plans
      • Phone Insurance
      • Insurance Excess
      • Insurance Company Financial Strength Ratings
      • Motorbike Insurance
      • Initio Review
      • Insurance Brokers
        • Trusted Insurance Brokers in Wellington
        • Trusted Insurance Brokers in Christchurch
    • Compare 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
    • Students Insurance
    • Life & Health Insurance
      • Life Insurance
        • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
        • 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
        • Going to Australia for Medical Treatment
        • BMI Calculator New Zealand
      • Income Protection Insurance
        • 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
  • 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 Ending – 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
        • American Express Gold Rewards Card Review
        • American Express Gold Business Card Review
        • AMEX Comparison - Airpoints Platinum vs Gold Rewards
        • Where is AMEX Accepted?
        • American Express Free Card vs Airpoints Platinum
        • American Express Platinum Card Review
        • 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
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore 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
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Best Savings Accounts
      • 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
      • 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
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • 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
      • 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
    • KiwiSaver Schemes
      • Amanah KiwiSaver Scheme
      • 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
    • Compare Business Loans
      • Business Line of Credit
      • Business Borrowing Options
      • Small Business Loans
      • Operating Leases
      • Finance Leases
      • Operating Leases vs Financing Leases
      • Car Loan Repayment Calculator
      • Prospa Business Loans Review
      • Bizcap Business Loans Review
      • Taxi (Business Funding) Review
    • Business Insurance
      • Public Liability Insurance
      • Professional Indemnity Insurance
      • Business Interruption Insurance
    • Wise Business Account Review
    • Business Credit Cards
    • 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
      • PAYE Tax Rates 2025 & 2026
      • Minimum Wage
      • Tax Codes in New Zealand
    • Business Calculators & Resources
      • GST Calculator
      • GST Due Dates 2025
      • Business Loan Calculator
      • 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
      • 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
  • 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
      • Buying a Used Car
      • Selling a Car
      • Turners Cars Review
      • CarJam Review
      • CarJam vs MotorWeb Car Report Comparison
      • Top Cars that Hold Their Value
      • Vehicle Leasing
      • Car Registration in New Zealand
      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
    • Everyday Driving
      • Costs of Owning a Car
      • 20 Ways to Make Driving Cheaper
      • Gaspy App Review
      • Parking Tickets
      • AA Membership Review
      • Best Car Batteries
      • Best Electric Cars
      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
      • Buyer’s Guide for the 2023 Ford Ranger
    • Warrant of Fitness
      • Guide to Warrant of Fitness
      • Warrant of Fitness Auckland
      • Warrant of Fitness Hamilton
      • Warrant of Fitness Tauranga
      • Warrant of Fitness Lower Hutt
      • Warrant of Fitness Wellington
      • Warrant of Fitness Christchurch
      • Warrant of Fitness Dunedin
  • Law
    • Wills Guide
    • Separation Agreements
    • Prenuptial Agreements
    • Divorce Guide
    • Trusts Guide
    • Enduring Power of Attorney Guide
    • Living Wills Guide
    • Probate
    • Agreeable Review
    • Footprint Online Wills Review
    • Perpetual Guardian
  • Travel
    • Moving Overseas
      • Working Holiday Visas
      • Working Holiday Visas for 30+ Year-Old New Zealanders
      • Moving to Australia
      • Moving to London
    • Air New Zealand Specific
      • Air NZ Upgrade Guide
      • How to Redeem Air New Zealand Airpoints Dollars
      • Fastest Way To Earn Air NZ Status Points
      • Air New Zealand Koru Membership Review
      • Airpoints Flexipay Guide
      • Air New Zealand Travel Tips
      • Air New Zealand Refunds & Credits
    • Lounges, Upgrades, Car Hire & More
      • How to Get Access to Airport Lounges
      • Air New Zealand Skycouch Review
      • No Nonsense Upgrade Guide
      • Car Rental Hire
      • Auckland Airport Car Parking
    • Best of New Zealand
      • Auckland Travel for Less
      • 100+ Free Things to do in Auckland
      • Queenstown Like a Local
    • Hotels & Dining
      • Accor Plus Review
      • First Table Guide
      • Hotel Booking Sites Compared
    • Foreign Currency Exchange
      • Currency Converter
      • Australian Dollars Exchange Rate
      • American Dollars Exchange Rate
      • British Pound Exchange Rate
      • Canadian Dollars Exchange Rate
      • Euro Exchange Rate
      • Fijian Dollars Exchange Rate
      • Hong Kong Dollar Exchange Rate
      • Korean Won Exchange Rate
      • Indian Rupee Exchange Rate
      • Japanese Yen Exchange Rate
      • Malaysian Ringgit Exchange Rate
      • South African Rand Exchange Rate
      • Singapore Dollars Exchange Rate
      • Thai Baht Exchange Rate
      • Chinese Yuan Exchange Rate
  • 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
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  • Banking & Savings
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  • Essential Money Tips
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  • Trade Services
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Compare Air New Zealand Airpoints Credit Cards (July 2025)

Earn Airpoints Dollars for free flights, Mitre 10 spend, Airpoints Store items and more.
air new zealand credit cards
Updated 5 July 2025
Air New Zealand Airpoints Credit Cards Summary
  • There are are limited selection of cards available; the best option for you will depend on how much you spend and how much you travel.
  • The highest earning card for earning Airpoints Dollars is The American Express Airpoints Platinum Card, which earns at a rate of 1 Airpoints Dollar for every $70 spent - no other card offers such an earning rate. It also offers a 300 Airpoints Dollar signup bonus. Bank-issued credit cards earn around half the number of Airpoints per $100 spent, making them poor value in comparison.
  • Our pick for light spenders is the American Express Airpoints Card, which has no annual fees and earns a reasonable 1 Airpoints Dollar for every $100 spent.
  • Please note that Kiwibank has announced that its Airpoints credit cards will be discontinued from 31 October 2025; the only banks currently offering Airpoints cards are ANZ and Westpac.
  • If you have a Kiwibank Airpoints credit card and are looking for alternatives, our Kiwibank Airpoints Cards Ending – Best Replacement Options guide has what you need.
  • If you're looking to earn points for business class flights, they are available, but you'll most likely need an AMEX - our dedicated Credit Cards That Earn Business Class Flights guide has more details and everything you need to know to make it possible.​
​
​Are you looking for an Airpoints credit card?
  • Banks have cut back to the point of offering poor value for money on their Airpoints cards. First it was Kiwibank in October 2022, then Westpac, and now the ANZ has cut the earning rate significantly, scrapping Koru vouchers and other benefits. We're not impressed given the annual fees have stayed the same. Westpac now penalises those who spend over a certain amount on their cards by halving their earning rates - it's all very disappointing.
  • It's not just Airpoints Dollars that banks are cutting back on. In September 2022, ASB announced a plunge in their credit card rewards and earn rates (which was reversed - for now - per this Stuff.co.nz column) while the BNZ is offering 'points' rather than cashback. We expect other banks to follow.
  • From November 2022, law changes capped interchange fees at 0.80% on Visa and Mastercard credit card transactions. This means that the banks can only charge merchants who accept credit cards 0.80% of the transaction value, which we argue limits the rewards, cashback and general perks they can offer to cardholders.
  • American Express cards are not affected as the law is designed to break up the Visa and Mastercard duopoly. As bank-issued credit cards have become less 'generous', we anticipate American Express cards will become more favourable for anyone looking for rewards, whether that be Airpoints Dollars, cashback, awards or statement credit. Our guide to the Best American Express Credit Cards has more information about the cards available.
We have reviewed the four Airpoints 'Platinum' cards in detail to show the differences, keeping in mind that the bank-issued cards (ANZ and Westpac) all offer about the same earning rate and benefits. We also provide video explainers to help explain the finer points to consider before making any decision:
ANZ Airpoints Visa Platinum vs American Express Airpoints Platinum
ANZ Airpoints Visa Platinum vs American Express Airpoints Platinum
Westpac Airpoints Platinum Mastercard vs American Express Airpoints Platinum
Westpac Airpoints Platinum Mastercard vs American Express Airpoints Platinum

Top Rated Air New Zealand Airpoints Credit Cards:

​We have reviewed the 7+ Air New Zealand Airpoints credit cards on offer, and shortlisted six cards that stand out. We outline the costs, benefits, pros and cons for the following categories: 
  1. Best Card for Maximising Airpoints Earning - The American Express Airpoints Platinum Card
  2. Best 'Pays for Itself' Card - The American Express Airpoints Platinum Card
  3. ​Best Card for Families - The American Express Airpoints Platinum Card
  4. Best No Fee Card for Low Spenders - American Express Airpoints Card​
  5. Best Card for Business - ANZ Visa Business Airpoints​

Know This First: What is the appeal of an Air New Zealand Airpoints credit card?
  • Airpoints-earning credit cards allow you to save big on flights around the country and even around the world just by using your credit card when you pay for stuff. There are a lot of decent credit cards earning Airpoints, and many have perks such as lounge vouchers, status points, Airpoints in advance allowances and partner cards.
  • It’s easy to earn – you will get Airpoints Dollars as soon as you spend, not when you fly, and if you catch a good signup offer you can save on fees and get more rewards.
Get 300 Bonus Airpoints Dollars – Apply Now

MoneyHub Founder Christopher Walsh shares his views about Air New Zealand Airpoints Credit Cards:

Airpoints is arguably one of the best loyalty schemes in New Zealand, given the range of earning partners and redemption options. So even if you don't fly a lot, Air New Zealand Airpoints credit cards can generously reward you for everyday spend. We've written a guide on how to best spend Airpoints Dollars here.

Air New Zealand's network has never been smaller, but the choice of awards via the Airpoints Store has never been greater. If you consistently pay off a credit card every month, using an Airpoints-earning card can be very worthwhile. 

Banks have cut their Airpoints Dollars-per-dollar spent rates, leaving the American Express Airpoints Platinum Card, which earns at a rate of 1 Airpoints Dollar for every $70 spent, as the most generous card given no other card offers such an earning rate. It also offers a 300 Airpoints Dollar signup bonus.

You don't need to earn a lot to take advantage - American Express, for example, offers a free Airpoints-earning card which offers 1 Airpoints Dollar for every $100 spent. However, as with any credit card, any Airpoints benefits you earn will become incredibly expensive if you don't pay the balance in full every month - interest costs destroy any value.

Whatever card you decide on, make sure it's the best for your immediate needs. There's no point getting a card "for later," as you'll either overpay and/or get the wrong rewards. For this reason, we've explained the cards in detail to help your decision-making process. If you are in any doubt about what you can afford, the best Airpoints credit card is likely to be "no credit card".
Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder

Who is this guide for?
  • Because flying is somewhat of a national pastime, Airpoints earning credit card have wide appeal. However, due to the annual fees on most cards, this guide is best for those who spend at least $10,000 on their credit cards every year.
  • If you're a lower spender or don’t fly at least once a year, Cashback and Rewards Credit Cards are far more suitable and offer better savings. ​
  • ​This is a complete guide to the best Air New Zealand Airpoints credit cards, how to use them, bolster up your Airpoints Dollars balances and enjoy the benefits safely by picking the best card for your needs.
  • If you have a Kiwibank Airpoints credit card and are looking for alternatives, our Kiwibank Airpoints Cards Ending – Best Replacement Options guide has what you need.
  • If you would like to share any tips or insights from your personal experience, please email our research team. 

​Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone who's approved through some of the links published in this comparison. Our research and findings are independent of any bank, credit card issuer, or product manufacturer/service provider, and have not been endorsed by any of these entities. Please see our Advertising Policy for more details about how we make money.

In the video below, MoneyHub Founder Christopher Walsh explains what you need to know about Airpoints Dollars credit cards to pick the right credit card for your needs. We look at why the banks have dropped their awards earning rates, and what this means for anyone with an existing bank-issued Airpoints credit card looking for a better deal:

AMEX Airpoints Platinum: The Best Airpoints Card

Kiwibank’s discontinuation of Airpoints cards, effective November 1, 2025, and ANZ and Westpac’s underwhelming Airpoints offerings have shifted the spotlight to the American Express Airpoints Platinum Card. Unaffected by Visa/Mastercard interchange fee caps and regulations, AMEX delivers unmatched rewards, making it the top choice for Airpoints earners.

Here’s why switching makes sense:
  • Best Earn Rate: Earn 1 Airpoints Dollar per $70 spent – significantly better than Westpac’s $110–$150 or ANZ’s $115.
  • Exclusive Bonus: Get 300 bonus Airpoints Dollars when you apply, are approved, and spend $1,500 within 3 months.
  • Premium Perks:
    • 4 lounge passes/year (Auckland, Sydney, or Melbourne).
    • Comprehensive travel insurance (domestic/international) and rental car excess cover ($3,000).
    • Mobile phone screen insurance (up to $500 if paid with AMEX).
    • Status Points to maintain or achieve Air NZ Gold/Elite status.
  • Wide Acceptance: Accepted at major retailers (Countdown, BP, Mitre 10) and integrated with Apple Pay/Google Pay for seamless payments.
  • Kiwibank’s Exit: Kiwibank’s Airpoints cards are being replaced with a low-fee, low-interest option that offers no Airpoints rewards, leaving AMEX as the superior alternative.
  • Westpac’s Weak Offering: Westpac’s Airpoints cards, like the Platinum Mastercard ($125/year), offer a poor earn rate (1 Airpoints Dollar per $110 up to $7,000, then $220) and no lounge access. The World Mastercard ($310/year) is better (1 Airpoints Dollar per $95 up to $15,000) but still lags behind AMEX’s value.​
  • Where Can You Use AMEX? Options include (but are not limited to):
  1. Supermarkets: Countdown, New World, PAK’nSAVE, SuperValue, FreshChoice
  2. Fuel Stations: BP, Caltex, GAS, Gull, Mobil, Shell, Z Fuel
  3. Retail & Hardware: Mitre 10, Bunnings Warehouse, Harvey Norman, Kmart, Glassons, Hallensteins, Farmers, The Warehouse
  4. Dining: McDonald’s, Burger Burger, Coffee Club, Hell Pizza
  5. Utilities: Contact Energy, Genesis Energy, Powershop
  6. Travel: Air New Zealand, Qantas, Jetstar, Expedia, Airbnb and most international airlines, as well as Auckland Transport for buses and trains etc.

​Note: For smaller, independent shops or cafes, carry a bank-issued Visa/Mastercard as a backup, as AMEX acceptance can vary.

Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder (and Frequent User of AMEX)
Christopher Walsh, MoneyHub Founder, shares his AMEX experience:
"In March 2025, a fraudulent transaction hit my Kiwibank Airpoints Platinum card, which meant my card was replaced. However, I had already applied for the AMEX Airpoints Platinum, drawn by its unmatched 1 Airpoints Dollar per $70 earn rate. Migrating from Kiwibank to AMEX was effortless, and acceptance of my new card has been smooth, thanks to Apple Pay and Google Pay integrating with AMEX.

The card's travel insurance, Status Points earning, and Airpoints Dollars earning rate make maintaining my Air NZ Gold status easy, especially since I book cheaper airfares well in advance, so I won't get there on flights alone. With Kiwibank now migrating my card to a low-reward option on November 1, 2025, I will likely cancel it – AMEX has been far more reliable and rewarding. I also like the AMEX app, which features live chat, a significant difference from Kiwibank's message service, which can sometimes have you waiting for a few days.

Compared to ANZ's and Westpac's Airpoints cards, AMEX's perks and earn rate are in a different league. Why settle for earning less every time you use your card? I am thrilled to have made the move".
Favourite Airline Credit Card
Apply with AMEX

Why AMEX Outshines ANZ and Westpac:
Card
Earn Rate
Annual Fee
Bonus Offer
Lounge Access
AMEX Airpoints Platinum
1 Airpoints Dollar/$70 spend
and
$250 = 1 Status Point
$195
300 Airpoints Dollars
​Yes (4 passes)
Westpac Airpoints Platinum Mastercard
1 Airpoints Dollar/$110 spend (then $220 after $7,000 monthly spend)
and
​$225 = 1 Status Point
$125
None
No
Westpac Airpoints World
1 Airpoints Dollar/$95 spend(then $190 after $15,000 monthly spend)
​and
​$225 = 1 Status Point
$310
​None
Yes (Priority Pass)
ANZ Airpoints Visa Platinum
1 Airpoints Dollar/$115 spend
and
Cardholders earn 50% bonus Status Points on top of the Status Points earned on qualifying flights with Air New Zealand. ​There is no Status Points per spend (unlike the other cards).
$150
200 Airpoints ​Dollars
No
AMEX Airpoints Card
1 Airpoints Dollar/$100 spend

​No Status Points

$0
50 Airpoints ​Dollars
No
Consider Switching Today
With Kiwibank’s Airpoints cards gone and ANZ's and Westpac’s cards falling short, AMEX Airpoints Platinum is the clear winner. Apply Now and receive 300 bonus Airpoints and read our review of the card.

Our Favourite Top Two Air New Zealand Airpoints Credit Cards

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Everyone's credit card needs are different, so we've shortlisted two must-consider options for anyone wanting to earn Airpoints Dollars. These include:
  1. ​Perks, Rewards and Benefits - American Express Platinum Airpoints Card: The card with a vast number of useful insurance perks, an unbeatable Airpoints earning:spend rate, status points and an attractive 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.​
  2. ​Free Card - American Express Airpoints Card - The card pays a generous 1 Airpoint Dollar for every $100 spent and has 55 interest-free days. Best of all, there's no annual card fee. Bonus Offer: 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.

Are you looking for something else? Take a look at Our Favourite Credit Cards List which has a number of our favourite options that offer unbeatable value for money.
AMEX Airpoints Platinum
AMEX ​Airpoints
Compare Air New Zealand credit cards

6 Must-Know Air New Zealand Airpoints Credit Card Facts

Compare Air New Zealand credit cards

Airpoints credit cards are only suitable if you pay off the balance every month

If you struggle to pay off a credit card, look at a low-interest credit card or a balance transfer credit card (if you have credit card debt) as this is a far better option to crunch your debts. 

If this isn't an issue, you can maximize your earning potential by using your credit card for everything you can, replacing your use of debit cards, credit cards, cheques and cash where possible. Just be aware of your monthly budget, spend in line with your finances and set up a direct debit to take care of the bill. If you incur workplace expenses, ask if it’s possible to use your credit card.
AIR NEW ZEALAND CREDIT CARDS NZ

Airpoints credit cards work with any other card and retailer

You can combine any Airpoints you earn from spending on a credit card with Airpoints accrued from flying or shopping with an Air New Zealand partner such as New World or Harvey Norman. Airpoints go into one account either during the transaction (retail partners) or at the end of the month (when your credit card billing cycle ends). Best of all, you can pay for retail partner purchases with a credit card, effectively earning the maximum Airpoints possible. ​
AIR NEW ZEALAND CREDIT CARDS NZ

Rewards start from 30 Airpoints Dollars

When you've collected enough Airpoints, you can redeem awards on the Air New Zealand shop or book a flight. You can also use them for any grabaseat offer. However, international flights have a tax and security fee component which needs to be paid with cash. ​

Our guide to How to spend Airpoints Dollars has further information and tips.
AIR NEW ZEALAND CREDIT CARDS NZ

Your credit score and income are important

As you’re applying for a credit card, your credit score and ability to make repayments is important. Generally, most cards will be easy to obtain to anyone earning above $30,000 with good finances and one or two other credit cards. If that's not you, then don't apply, as rejected applications can affect your credit score negatively. Our guide to credit score and credit checks explains everything in detail. ​
AIR NEW ZEALAND CREDIT CARDS NZ

Every credit card favours high spenders

Higher spenders earn more points, but also reap more rewards such as lounge vouchers and status credits (as is the case with the AMEX Airpoints Platinum). As long as you spend enough to cover the annual fee (as we outline below in our "best cards" selections), those cards would be suitable. If not, look at cashback credit cards.
AIR NEW ZEALAND CREDIT CARDS NZ

Cash withdrawals don’t earn Airpoints

Taking money out on your card charges you interest and it won't earn you Airpoints. 
Get 300 Bonus Airpoints Dollars – Apply Now

Compare Air New Zealand credit cards

Best Air New Zealand Airpoints Credit Cards

​We have reviewed 10+ Air New Zealand Airpoints credit cards and outline the costs, benefits, pros and cons for the following categories: 
  1. Best Card for Maximising Airpoints Earning - The American Express Airpoints Platinum Card
  2. Best 'Pays for Itself' Card - The American Express Airpoints Platinum Card
  3. ​Best Card for Families - The American Express Airpoints Platinum Card
  4. Best No Fee Card for Low Spenders - American Express Airpoints Card
  5. ​Best Card for Business - ANZ Visa Business Airpoints

Important:
  • If you're looking for a Platinum-level card, our American Express vs ANZ vs Westpac Airpoints Platinum Credit Cards Comparison outlines what you need to know. 
  • If you have a Kiwibank Airpoints credit card and are looking for alternatives, our Kiwibank Airpoints Cards Ending – Best Replacement Options guide has what you need.

1. Best Card for Maximising Airpoints Earning - The American Express Airpoints Platinum Card, and

2. Best 'Pays for Itself' Card - The American Express Airpoints Platinum Card, and

3. Best Card for Families and Best Card for Airpoints Frequent Flyers

Airpoints Amex Credit Card
Apply with American Express
​Benefits include:
  • Every $70 you spend = 1 Airpoints Dollar, and $250 spend = 1 Status Point
  • Complimentary Smartphone Screen Insurance, Domestic, Car Rental Excess and International Travel Insurance
  • Four lounge passes per year (two in Auckland Airport, two for either Sydney or Melbourne)

The Need to Knows:
  • ​Annual Fee: $195
  • Airpoints or Membership Rewards? Airpoints 
  • Annual percentage interest rate: 22.95% p.a.
  • Interest-Free Period: up to 55 days
  • Bonus Offer: 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. New Amex Card Members only.
The American Express Airpoints Platinum is our Favourite Airline Credit Card in our 2025 Editor's Choice Awards. We base this on numbers, not opinion:
  • The numbers don't lie - $70 spent gives cardholders 1 Airpoints Dollar, whereas, with bank-issued platinum cards, you'll spend about double to get the same Airpoints Dollar.
  • The card also offers lounge passes (four per year), a treat that bank-issued cards discontinued in 2022 and early 2023 as part of their 'enhancements'.
  • The card is competitive for anyone needing to top up status points to renew Air NZ Gold or Gold Elite, providing a great tailwind to reach the 810/1350 point thresholds (assuming sufficient qualifying flights are taken).
  • Add in travel insurance benefits and a sign-up bonus, and it's easy to be convinced that the $195 annual fee offers a lot of value, given all the benefits and earning potential.

MoneyHub's editor Christopher Walsh says:
"Banks have scaled down what they offer regarding airline credit cards; we consider this the best Air New Zealand card, bar none, for any of the 500,000+ New Zealanders with a 'platinum' card".

More details: ​American Express Airpoints Platinum Review or Apply Here
Amex Airpoints Platinum Award Winner 2023
AMEX Airpoints Platinum
Important: If you're looking for a Platinum-level card, our American Express vs ANZ vs Westpac Airpoints Platinum Credit Cards Comparison outlines what you need to know.

MoneyHub Founder Christopher Walsh sheds light on how "double dipping" allows you to earn 1 Airpoint Dollar for as little as $40 spent at select retailers:

Several retailers, including Mitre 10, New World, and Z, encourage customers to swipe their Airpoints card for rewards and use an AMEX card for payment to maximise their Airpoints earning, known as "double dipping". Examples include:

Mitre 10:
  • By default, Airpoints members earn 1 Airpoint Dollar for every $115 spent at key retailers who reward you however you choose to pay.
  • If you spend $140 at Mitre 10 and pay with the AMEX Airpoints Platinum Card, you'll earn over three Airpoints Dollars. This comprises 1 Airpoint Dollar from Mitre 10's offer and 2 Airpoint Dollars from AMEX (since a $70 spend on AMEX earns you 1 Airpoint Dollar).

New World:
  • Airpoints members earn 0.185 Airpoints Dollars for every $25 they spend.
  • For a $150 spend at New World and using the AMEX Airpoints Platinum Card for payment, you'd earn over three Airpoints Dollars. This includes 1.11 Airpoints Dollars from New World's offer and 2 Airpoint Dollars from AMEX.

Other options include Liquorland (0.185 Airpoints Dollars for every $25 spent), Smiths City (1 Airpoints Dollars for every $100 spent), Tower Insurance (1 Airpoints Dollar for every $100 spent), Calex and Z Service Stations (1 Airpoints Dollar per 100 litres (or part thereof) of eligible petrol or diesel)

Bonus: If you're smart about your finances, consider using an Online Call account to pay your credit card balance. With interest rates over 4% p.a., many savvy New Zealanders keep funds in a call account and transfer their AMEX balance on its due date to maximise interest, all while earning lots of Airpoints Dollars on every spend.
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Picture
AMEX Airpoints Platinum

Non-American Express Options:

We have reviewed the other two Airpoints Platinum cards in detail to show the differences, and video explainers help with the finer points to consider before making any decision:
ANZ Airpoints Visa Platinum vs American Express Airpoints Platinum
ANZ Airpoints Visa Platinum vs American Express Airpoints Platinum
Westpac Airpoints Platinum Mastercard vs American Express Airpoints Platinum
Westpac Airpoints Platinum Mastercard vs American Express Airpoints Platinum

4. Best No Fee Card - American Express Airpoints Card

american express airpoints card
Apply with American Express

Benefits include:

  • The only No Fee option to earn Airpoints Dollars.
  • Bonus Offer: 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.
  • A reasonable earning rate of 1 Airpoints Dollar per $100 spent, but you'll need to spend $2,000 to transfer them to Airpoints.
  • No supplementary card fee.
 BUT:
  • Airpoints are valid for four years from the date they appear in your account

The Need-to-knows

  • The interest rate is 22.95% p.a.
  • Each $100 you spend earns 1 Airpoints Dollar
  • There is NO annual fee.
  • The supplementary card annual fee is $0
  • Taxes and levies on flights are additional, and you’ll need to pay them separately when you book a reward flight.
  • The card is an AMEX, which has some limitations in where it is accepted (compared to Mastercard and VISA).
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will reduce your gains.
  • The Airpoints earned expire after four years, but can be shared using Sharepoints with anyone living at the same address.

More details: ​American Express Free vs Platinum Airpoints Card or Apply Here
The American Express Airpoints Card is our Favourite No Annual Fee Credit Card in our 2025 Editor's Choice Awards. We base this on numbers, not opinion:

Our view:
  • Free credit cards usually don't offer much, but the American Express Airpoints Card is the exception. Cardholders earn A$1 for every $100 spent, which can be used on flights or at the Airpoints Store (which has thousands of reward options). 

MoneyHub's editor Christopher Walsh says:
"American Express' free credit card generously offers a 1% reward rate, unrivalled among other card issuers. While it is an Airpoints-earning card, the choice of awards offered is extended to cover thousands of options via the Airpoints online store. The card has a lot of power, no annual fee, and an interest rate in line with the market".
Favourite No Annual Fee Credit Card 2023
AMEX Airpoints Card

5. Best Card for Business - ANZ Visa Business Airpoints

anz airpoints business card
Apply with ANZ

Benefits include:

The Need-to-knows

  • The interest rate is 20.95% p.a.
  • Every $85 you spend earns 1 Airpoints Dollar (up to a $25,000 spend per year), and $50 spent on Air New Zealand travel earns 1 Airpoints Dollar.
  • There is an annual fee of $145; to cover the $145 fee with Airpoints, you’ll need to spend $10,875 per year to breakeven.
  • The supplementary card annual fee is $5
  • The cardholder will earn 50% bonus Status Points on top of Status Points earned on qualifying flights with Air New Zealand.
  • All Airpoints Dollars earned by your business will never expire while you have an ANZ Visa Business Airpoints card account.
  • Cardholders don't pay a Koru Club joining fee (valued at $255) and receive a discount of $145 off the standard 12-month individual Koru membership fee for all principals working at the business.
  • Taxes and levies on flights are additional, and you’ll need to pay them separately when you book a reward flight.
  • The card is a VISA, which like Mastercard is widely accepted in New Zealand and around the world.
  • Pay the balance every month to maximise the reward benefits – any late payments and interest charges will reduce your gains.
  • The Airpoints earned do not expire, and can be shared using Sharepoints with anyone living at the same address.
  • Half of the tier points required for Silver and Gold must be generated from flying on Air New Zealand or partner airlines.

Important: If you're looking for a Platinum-level card, our American Express vs ANZ vs Westpac Airpoints Platinum Credit Cards Comparison outlines what you need to know.

Our Favourite Top Two Air New Zealand Airpoints Credit Cards

Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder

Everyone's credit card needs are different, so we've shortlisted two must-consider options for anyone wanting to earn Airpoints Dollars. These include:
  1. ​Perks, Rewards and Benefits - American Express Platinum Airpoints Card: The card with a vast number of useful insurance perks, an unbeatable Airpoints earning:spend rate, status points and an attractive 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.
  2. ​Free Card - American Express Airpoints Card - The card pays a generous 1 Airpoint Dollar for every $100 spent and has 55 interest-free days. Best of all, there's no annual card fee. Bonus Offer: 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.

Are you looking for something else? Take a look at Our Favourite Credit Cards List which has a number of our favourite options that offer unbeatable value for money.
AMEX Airpoints Platinum
AMEX ​Airpoints
Compare Air New Zealand credit cards

Air New Zealand Airpoints Credit Card Frequently Asked Questions

I fly more than just Air New Zealand. Are there credit cards for other airlines?

Yes. Any American Express card earns points in their own program, Membership Rewards®, whereby you can convert points into programs with Air New Zealand, Cathay Pacific, Emirates, Malaysia Airlines, Qantas and Virgin Australia. For most Kiwis, an Air New Zealand affiliated credit card is the most suitable choice. 

Can I have an additional cardholder in my account to boost Airpoints?

Yes – all expenditure goes onto the same bill. Additional cards cost between $0 and $30 per year. See our best buys below for more details.

Can I buy extra Airpoints?

No - to redeem an award flight, you will need to have at least the required balance of Airpoints unless you use Air New Zealand's Flexipay option. 

Can I link my credit card to PayPal?

Yes. If you shop online, using PayPal is a popular method of payment. Read our PayPal fee page to minimize the fees you’ll pay while maximising your Airpoints.

Are Mastercard and VISA more accepted than AMEX in New Zealand?

Generally, the answer is yes. Many Kiwi retailers don’t accept AMEX due to the higher fees it charges them. The Airpoints earning rates may be higher, but that’s secondary if you can’t use the card at your local café etc. However, AMEX helpfully lists all the retailers accepting their card, and it covers major supermarkets, petrol stations and more. 

Do I need to fly Air New Zealand to use the Airpoints Dollars?

No. You can use them on partner airlines or a range of non-travel awards, such as wine and gifts. Visit the Airpoints store.

Do I need to bank with the issuer of the credit card?

No. You can apply for a credit card with any bank, and it doesn’t matter whether you are a customer or not. Be aware that American Express credit cards are provided directly by Amex, and not available through banks. Our guide to the Best American Express Credit Cards has more information about the cards available.

Important: If you're looking for a Platinum-level card, our American Express vs ANZ vs Westpac Airpoints Platinum Credit Cards Comparison outlines what you need to know.

How does American Express/AMEX work in New Zealand? Can I use it widely?

To help determine the acceptance of AMEX in New Zealand and highlight the general feeling from local cardholders, we've pasted a selection of reviews from Reddit members that appear on various PersonalFinanceNZ posts. We include these to help you decide if an American Express credit card is right for your needs:
  • "Definitely worth having in NZ; you can use it at most petrol stations/supermarkets/retailers. Have a backup (debit) card for everything else".
  • "I have had my AMEX for a few months now, and acceptance is not that bad. Almost all big chains accept it, higher-end restaurants, most online shopping (or you can funnel via PayPal), and I can even pay my phone, internet, and power bills with it. However, smaller shops/cafes are unlikely to take it, so I have to bust out my visa debit card occasionally".
  • "I haven't run into any Amex-specific surcharges. Instead, I found that either a business will have a blanket credit card surcharge or, in some cases, a paywave surcharge".
  • "I've had my Amex Airpoints Platinum for 3+ years, and I'm pretty happy with it. I use it for everything I possibly can to build up as many airports as possible. I use it as I would use my debit card and then pay my bill off every month on time. I've already got flights to Fiji out of my points and currently letting points build up for flights to Europe".
  • The $195 card fee is a lot, but if you use it enough and build up your Airpoints Dollars, it's well worth it".
  • "They have nice service. For example, I got double charged once in a store, reported it to AMEX, and got the refund immediately after the call".

​Our guide to the Best American Express Credit Cards has more information about the cards available.
Get 300 Bonus Airpoints Dollars – Apply Now

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