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
        • 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 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
        • 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
        • Investing Guide
        • 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
          • Interest Rate Predictions 2025
            • Money Sweetspot Review
            • 20 Property Investment Risks You Can't Ignore
            • Shares vs Property Investment
            • Milford vs ANZ KiwiSaver Growth Funds Comparison
            • Best Performing KiwiSaver Funds
            • Kernel Shares & ETF Investing 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
      • 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
      • 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
      • 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
      • Free $500+ Government Money for KiwiSaver
      • Our Favourite KiwiSaver Funds
      • 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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  • KiwiSaver
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  • Power
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  • Essential Money Tips
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    • Money & Relationships
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    • Valuable Insights
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  • Financial Independence
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  • Trade Services
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Credit Card Review: American Express Airpoints Platinum

We review New Zealand's highest-earning Airpoints credit card, featuring free insurance, lounge passes and other perks.
American Express Airpoints Platinum Credit Card
Updated 28 May 2025

​Who Is The AMEX Airpoints Platinum Card For?
  • The card will appeal to anyone looking to spend big and earn Airpoints Dollars and Status Points. At a range of $70 spent = 1 Airpoints Dollar, it's the best in the market by far. Our ANZ vs AMEX vs Westpac Platinum Airpoints Cards Comparison shows the value in detail.
  • You'll earn Status Points ($250 spent = 1 Status Point) which helps towards qualifying (and re-qualifying) for Air New Zealand Gold (and Elite and Silver) in addition to qualifying flights.
  • Big spenders also need to budget for payments. With an interest rate hovering around 20%, paying the balance in full every month is essential to make the card's rewards cost-effective.

​​​Advertising Disclaimer: MoneyHub may earn a referral bonus for anyone that’s approved through some of the below links. 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.

MoneyHub Founder Christopher Walsh shares his views on the American Express Platinum Airpoints Credit Card:

"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 credit cards can generously reward you for everyday spend". 

"If you always pay the balance every month, then a credit card is an enjoyable way to reward yourself on everyday spending. However, I frequently receive complaints about poor value bank "cashback" and "reward" cards, just as I do about bank savings account interest rates (as outlined in my Stuff.co.nz column)".

"American Express, which operates independently to the banks, is widely accepted around New Zealand, and their Platinum Airpoints card offers the highest earning rate of $70 to 1 Airpoints Dollar (vs $110 for ANZ and Westpac, which works out to be at least 40% lower per $1 spent)".

"This means that if your household spends $3,000 a month on a credit card, you'll earn over 500 Airpoints Dollars a year. You'll also get a generous bonus for signing up as well, and a bunch of perks that have some serious value".

"Banks love to make money from credit cards but don't deliver the value they should. American Express stands out and this card is arguably the best on the market for anyone looking for a better deal."
Christopher Walsh MoneyHub
Christopher Walsh
MoneyHub Founder


Learn more, or apply now
Summary:
  • Exclusive Credit Card Perks Explained
  • ​​Summary and Conclusion
  • Three Must-Know American Express Platinum Credit Card Facts
  • How Does the Card Work in New Zealand?
 
Related guide: Our dedicated ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum comparison covers essential information if you're planning to switch cards. Our guide to the Best American Express Credit Cards has more information about the cards available.

Card Details Summary:

Welcome Bonus and Annual Fee

  • With an annual fee of $195, it’s also in line (although at the higher end) of other Airpoints Platinum credit cards.
  • The benefits of complementary mobile phone screen damage insurance and four lounge passes are unique to the card, and give additional value to the offering.
  • 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.

Earning and Redeeming Airpoints

Earning
  • ​At $70 for 1 Airpoints Dollar, the credit card outperforms all other Air New Zealand credit cards.
  • Unlike the Membership Rewards Program which offers more points for supermarket spending, you’ll earn Airpoints at the same rate wherever you spend.
  • As a point of comparison, if you spend $15,000 on your card, you’ll earn 214 Airpoints Dollars. 

Redeeming
  • Airpoints are directly credited to your Air New Zealand Airpoints account. If you’re not a member, you’ll need to sign up first.
  • Airpoints don’t expire, and there’s no annual Airpoints membership charge. This means you’ll have unlimited time to build up your Airpoints balance.

Christopher Walsh MoneyHub Founder and Head of Research outlines this 'class of its own' credit card:

Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and
Head of Research
"This award-winning AMEX card earns around double the number of Airpoints Dollars per dollar spent compared to Platinum cards from ANZ and Westpac. For this reason, it's our 2025 Editor's Choice Favourite Airline Credit Card.

You'll need to spend around $13,650 to offset its $195 annual fee, but with a 300 Airpoints Dollars signup offer, lounge vouchers, and so much more, the value offered is second to none.

And, if you're Air NZ Silver, Gold or Gold Elite (or want to achieve it), AMEX's generous Status Point earning opportunities also increase your balance helping your reach the thresholds with less flying.

For those spending over $1,000 a month on a credit card and always repay the balance, the AMEX card offers unmatched benefits, such as lounge access, travel insurance, a signup bonus, and the highest Airpoints Dollars earning rate."
MoneyHub Editor's Choice Award
Learn More or Apply

American Express Airpoints Platinum Credit Card

American Express Credit Card Perks:

1. Complimentary Lounges Passes

​American Express Airpoints Platinum Card Members are entitled to four lounge passes per calendar year (1 January to 31 December) which you can use locally and overseas. The entitlement includes:
  • Two American Express Lounge Entries in Australia (valid at Sydney International Airport and Melbourne International Airport): Children between the ages of 2-17 are permitted free of charge. Additional guests may be subject to a charge that is to be processed on the Card Member's American Express Card.
  • Two Priority Pass lounge passes: This includes over 1,200 locations worldwide, with Auckland, Christchurch and Queenstown all offering international lounges.

2. Complimentary Travel Insurance

To be eligible, you must use your American Express Airpoints Platinum Card to pay for your return airfare for the insurance to be valid.

Perks include:
  1. Complimentary cover for you, your partner and children under the age of 22 years.
  2. Overseas Medical Emergency Expenses Cover of up to $2,500,000 in cover (including repatriation to New Zealand).
  3. Personal Liability Cover up to $2,000,000.
  4. Travel Inconvenience Cover - flight delays, missed connections or delayed luggage
  5. Travel Cancellation Cover - up to $30,000
  6. Baggage, Money and Documents Cover- up to $30,000
  7. Rental Vehicle Excess Cover - up to $3,000 as the result of a collision, or theft, of a rental vehicle while in your control

Be aware:
  1. Redeeming Airpoints for overseas travel? Your insurance may not be activated. If, for example, you go away to Australia using Airpoints Dollars, you may need to buy a separate travel insurance policy.
  2. Excesses may apply for some benefits. Generally, this will be between $50 and $250 per claim.
  3. A Supplementary Cardmember won’t be covered unless travelling with the primary cardholder. If you order a card for your partner and he/she travels, most of the benefits won’t apply. In such circumstances, you may need to buy a separate travel insurance policy.

3. Complimentary Smartphone Screen Insurance

​Unique to American Express, the Airpoints Platinum Card offers screen protection for damaged phones. This is arguably one of the major perks of the credit card.

How does this work?
  1. You can make a maximum of two claims per 12-month period, with a maximum cover of $500 per claim.
  2. You’ll need to pay an excess of 10% of the claimed amount. As an example, if your repair bill was $300, you would be reimbursed $270 and pay $30 yourself.
  3. Be aware: The policy is not phone insurance, which is far more comprehensive, so you won’t be covered if you lose or damage your phone.

4. Complimentary Purchase Protection Cover

The American Express Airpoints Platinum provides excellent purchase protection. If you purchase an eligible item on the card and it’s accidentally damaged or stolen within 90 days, American Express will reimburse you for the amount you paid for the item. The limit is up to $3,500 per item and $30,000 per year. There is a $50 excess per claim, with specific exclusions including:
  1. Any items left unattended in a public place or
  2. Theft of or damage to items in a vehicle or
  3. Theft of or damage to jewellery or watches in baggage unless carried by hand by you (or someone known to you) or
  4. Theft of or damage to cash, tickets or negotiable instrument, animals, living plants, perishable goods or
  5. Theft of or damage to electronic items and equipment, i.e. phones and computers/laptops from your place of work
 
Claiming
  • You must provide American Express with copies of invoices and/or receipts relating to the item to prove the item was charged to your American Express Airpoints Platinum Card and
  • For all claims, you’ll need to have reported the lost or stolen to the police within 48 hours (if you don’t have a police report)

5. Earning Status Points

If you’re looking to earn Air New Zealand Status Points, you can earn a maximum of 225 and 450 Status Points from credit cards for Silver or Gold respectively. The earning rate is  $250 spent = 1 Status Point. This means you would need to spend $56,250 (for Silver) and $112,500 (for Gold) in 12 months, in addition to taking qualifying flights that meet the 450 or 900 Status Point threshold. As one MoneyHub user explains:

"I’ve had the Amex Airpoints Platinum Card for two years. Due to the nature of my work, I chargeback a lot of expenses so comfortably spend around $8,000 a month. I earned Star Alliance Gold from one flight to London, which was a cheap business class deal with Air China. Earning over $1,500 Airpoints Dollars each year and having all these perks makes this card a winner".
- Mike, Auckland

6. Discounted Koru Club Membership

​Airpoints Platinum Cardholders save $255 on the Koru joining fee and receive an annual fee discount ($145) for as long as they hold the Card.

7. Ongoing Cashback

​Beyond the standard benefits, a MoneyHub user highlights ongoing cashback promotions:
"One great benefit I've noticed with AMEX is their regular cashback promotions. Over the past six months, I've received $75 in cashback - $25 from a Shop Small promotion (5 x $5 credits) and $50 from a Sony/AMEX promotion. While it's not massive, it helps offset the annual fee. The key is to register for each promotion as they become available, which I've made a habit of doing. It's a nice surprise when those small credits appear on your statement".
Learn more, or apply now

AMEX Airpoints Credit Card

Summary and Conclusion

  • There’s a lot to like about this Airpoints credit card. It is arguably the most feature-packed, publicly available credit card in New Zealand. And, best of all, it is priced at an affordable $195/year.
  • The annual fee can be offset by the value of the Airpoints Dollars joining bonus and the travel insurance benefits. The generous screen-protection and purchase protection cover.

Which Airpoints Cards Compete With the American Express Airpoints Platinum Card?

Despite American Express offering New Zealand's most benefits-heavy Airpoints credit card, there are alternatives. Popular alternatives include:
  1. ​ANZ Airpoints Visa Platinum

Know this: We don't believe either of the above cards offer the value for money and benefits of the American Express  Airpoints Platinum card.
  • If you think you’ll spend at least $10,000 a year on a credit card and travel overseas at least once, the card pays for itself.
  • Ready-to-use lounge passes in addition to smartphone screen insurance, are perks exclusively offered by American Express.

Our video below explains this American Express Airpoints Platinum review and includes comparisons with other cards (where relevant):

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, just as I had applied for the AMEX Airpoints Platinum, drawn by its unmatched 1 Airpoints Dollar per $70 earn rate. Switching automatic payments to AMEX was effortless, and acceptance has been smooth, thanks to Apple Pay and Google Pay integrating with AMEX.

The card’s travel insurance, Status Points, and earning rate make maintaining my Air NZ Gold status easy, especially since I book cheaper airfares well in advance. With Kiwibank 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 with live chat, a huge difference to Kiwibank's message "service" which can 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
$195
300 Airpoints Dollars
​Yes (4 passes)
Westpac Airpoints Platinum
1 Airpoints Dollar/$110 spend (then $220 after $7,000 monthly spend)
$125
None
No
Westpac Airpoints World
1 Airpoints Dollar/$95 spend(then $190 after $15,000 monthly spend)
$310
​None
Yes (Priority Pass)
ANZ Airpoints Platinum
1 Airpoints Dollar/$115 spend
$150
200 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.

American Express Airpoints Platinum Credit Card

Three Must-Know American Express Platinum Credit Card Facts

American Express Airpoints Platinum Review NZ

American Express Airpoints Platinum Credit Card Pros and Cons

​Pros:
  1. The Airpoints Platinum offers New Zealand's Highest Airpoints Dollar earning rate – $70 for 1 Airpoints Dollar outperforms all other Air New Zealand credit cards.
  2. Customer Service – With American Express you have a direct line, but if you use Visa and Mastercard you’ll have to deal with your bank. Most New Zealand banks use a multi-option call centre for credit card help with standard office hours. Any troublesome issues may be ‘referred’ to Visa or Mastercard for ‘review’ and 'decision'. American Express operates specific 0800 hotlines which are open 24/7 and makes decisions directly.
  3. Favourable Customer Dispute Terms – if you experience fraud or wish to question a transaction, American Express will actively fight in your corner.
  4. Cards are increasingly accepted at major New Zealand retailers – You can use your card at Countdown, New World, PAK'nSAVE and other supermarkets. Other retailers include most petrol stations and airline websites.
 
Cons:
  • A number of non-chain retailers don’t accept American Express as a payment method. 
American Express Airpoints Platinum Review NZ

Bank-Issued Airpoints Platinum Cards Don't Offer Lounge Access Vouchers - Only AMEX Does

  • American Express Airpoints Platinum Cardholders are offered four lounge access vouchers per year with no minimum spend requirement.
  • These vouchers are preloaded and can be used at international airports (Auckland, Christchurch and Queenstown), Australia, and worldwide. There is no lounge in Wellington or any domestic New Zealand airport.
  • The passes expire on 31 December every year and can't be rolled over. 
  • No other Airpoints Platinum Credit Card (e.g. from ANZ or Westpac) offers lounge vouchers.

Two MoneyHub users who have the card emailed us testimonials that mention the lounge benefits - we paste these below for reference:

"I've had a fantastic experience with my AMEX card! I've accumulated a significant amount of Airpoints Dollars, which seem more rewarding than with my previous cards. I've even had the opportunity to enjoy the Amex lounge at Sydney Airport. The card is easy to use, although not all places accept it. The app could use some improvements, but it gets the job done. I would highly recommend AMEX over other credit cards, mainly because of the rewards".

"AMEX provides excellent customer service, with quick phone responses and readily available live chat. The card comes with great perks like lounge access, which I've fully utilized this year. It's not widely accepted at independent stores and restaurants, but I use it for supermarkets, gas stations, and online shopping, earning enough Airpoints for a return ticket to Tokyo".
American Express Airpoints Platinum Review NZ

The Foreign Currency Commission for non-NZD Transactions is 2.50%

A 2.50% Currency Conversion Commission applies to all American Express NZ credit cards. This means you’ll pay more when making foreign purchases than other credit cards. Airpoints-earning credit cards usually charge 1.85% to 2.50%. If the vast majority of your spending is in NZD, then there is little difference between other credit cards.

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.
  • If you spend $140 at Mitre 10 and pay with the AMEX Airpoints Platinum Card, you'll earn 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 5% 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

American Express Airpoints Platinum Credit Card User Reviews NZ

How Does the Card Work in New Zealand?

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 the 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 in 2023.
  • 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".

Christopher Walsh MoneyHub Founder and Head of Research outlines this 'class of its own' credit card:

Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and
Head of Research
"This award-winning AMEX card earns around double the number of Airpoints Dollars per dollar spent compared to Platinum cards from ANZ and Westpac. For this reason, it's our 2025 Editor's Choice Favourite Airline Credit Card.

You'll need to spend around $13,650 to offset its $195 annual fee, but with a 300 Airpoints Dollars signup offer, lounge vouchers, and so much more, the value offered is second to none.

And, if you're Air NZ Silver, Gold or Gold Elite (or want to achieve it), AMEX's generous Status Point earning opportunities also increase your balance helping your reach the thresholds with less flying.

For those spending over $1,000 a month on a credit card and always repay the balance, the AMEX card offers unmatched benefits, such as lounge access, travel insurance, a signup bonus, and the highest Airpoints Dollars earning rate."
MoneyHub Editor's Choice Award
Learn More or Apply

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          • Other Coins
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  • Loans & Finance
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  • Insurance
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  • Credit Cards
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    • Reviews
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        • Where is AMEX Accepted?
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        • American Express Platinum Card Review
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        • Qantas Credit Cards
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    • Travel Money By Country
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  • Banking & Savings
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    • Savings
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    • Reviews
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  • Mortgages
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      • Understanding Interest Rate Swaps
      • What is the OCR?
    • Alternative Mortgage Options
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      • Lifetime Home Review
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      • Tips for Seniors Renting or Paying Down a Mortgage
      • Remortgaging Guide
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    • Mortgage Brokers
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      • LifeDirect Mortgages Review
    • Buying a Home
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    • Building a House
      • NZCB Review
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      • Tiny Homes in New Zealand
  • KiwiSaver
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      • Free $500+ Government Money for KiwiSaver
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      • KiwiSaver Must-Know Facts
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      • What's My PIR?
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      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
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      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
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      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
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      • New Zealand Defence Force KiwiSaver Scheme
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      • Pathfinder KiwiSaver Review
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      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
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  • Business
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      • Prospa Business Loans Review
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    • Business Insurance
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    • Wise Business Account Review
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      • Business Brokers
    • PAYE & Taxes
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    • Business Calculators & Resources
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    • Online Services
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    • For Startups
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  • MSD
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    • NZ Superannuation in a Nutshell
    • Government Departments Helping New Zealanders Directly
    • Food Grants Guide
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      • Food Banks Auckland
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  • Motoring
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      • Turners Cars Review
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      • Top Cars that Hold Their Value
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      • The Women's Guide to Buying a Car
    • Car Dealerships Explained
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      • Gaspy App Review
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      • AA Membership Review
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      • Buyer’s Guide for the 2023 Toyota Hilux
      • Buyer’s Guide for the 2023 Toyota RAV4
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    • Warrant of Fitness
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      • Warrant of Fitness Auckland
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  • Law
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    • Perpetual Guardian
  • Travel
    • Moving Overseas
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      • Moving to Australia
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    • Air New Zealand Specific
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    • Lounges, Upgrades, Car Hire & More
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      • 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
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    • Foreign Currency Exchange
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  • Travel Insurance
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    • AMEX Airpoints Platinum Travel Insurance Review
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      • Australia and the Pacifc
        • Australia Travel Insurance
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      • Americas & Africa
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      • Europe
        • France Travel Insurance
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    • Specific Risk Cover
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    • Travel Insurer Reviews
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      • State Travel Insurance Review
    • Essential Information
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      • 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
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
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    • Apple Watch Buying Guide
    • Spark Mobile Review
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    • One NZ Mobile Review
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    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
    • Best Power Banks
  • Broadband
    • Compare Broadband Plans
    • No Contract Broadband
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    • Internet Speed Test
    • Broadband Provider Reviews
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      • Electric Kiwi Broadband Review
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      • NOW Broadband Review
      • One NZ Broadband Review
      • Orcon Broadband Review
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      • Skinny Review
      • Slingshot Broadband Review
      • Starlink Review
      • Voyager Broadband Review
      • Wireless Nation Broadband Review
  • Power
    • Compare Power Companies
    • Power and Broadband Bundles
    • How to Lower Your Power Bills
    • 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
      • Ecotricity Review
      • Electric Kiwi Review
      • Flick Electric Review
      • Genesis Energy Review
      • Globug Review
      • Mercury Review
      • Meridian Energy Review
      • Nova Energy Review
      • Powershop Review
      • Z Energy Power Review
  • Essential Money Tips
    • Must-Read Lists & Tips
      • 10 Things to Do Differently with Money in 2025
      • 10 Signs You’re in Financial Danger
      • 20 Indicators You're Doing Well Financially
      • 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 Supermarket Ripoffs
      • 20 Ways to Save on Household Bills
      • 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
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