MoneyHub NZ
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      • Comparisons
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        • Kernel vs Sharesies
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        • Kernel vs Smart
        • Hatch vs Stake
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        • Comparing Sharesies vs Investnow vs Hatch vs Invest Direct and more
        • How Do I Start Investing?
        • Virtual Stocks and Shares Trading Games
      • Guides
        • How to Invest in Shares
        • Investing 101
        • Investing in Vanguard Funds from New Zealand
        • Investing in the US Stock Market from New Zealand
          • How To Buy Tesla Shares
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          • How To Buy Amazon Shares
          • How To Buy Alphabet Shares
          • How To Buy Netflix Shares
          • How To Buy Microsoft Shares
          • How To Buy Meta Shares
        • How to Invest in the NASDAQ from New Zealand
        • US Extended Hours Trading Explained
        • What Happens If Your Investing Platform Shuts Down?
        • Fractional Shares
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        • How to Read and Understand a Share Chart
        • NZX in a Nutshell
        • Investing in the ASX from New Zealand
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        • How to Attend the 2026 Berkshire Hathaway Annual Shareholders Meeting
    • Introduction to Investing
      • Guides
        • Index Funds
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        • Investing in the S&P 500 from New Zealand
        • Shares vs ETFs
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        • Dollar Cost Averaging Guide
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        • Borrowing to Invest in Property, Shares or Funds
        • Passive Income Strategies
        • How Wealthy New Zealanders Invest Their Money
        • Barefoot Investor-Friendly Financial Products in New Zealand
        • Investment Terms Glossary
        • IPOs
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        • 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
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        • 10 Popular Investments for Young New Zealanders
        • Sharesies Kids Accounts Review
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    • Managed Funds, Tax & DIY Investing
      • Guides
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          • Pathfinder Managed Funds Review
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        • Bank Credit Ratings
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        • Managing Offshore Investments for Returning New Zealanders and Migrants
        • How to Buy and Sell Bonds
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        • Hedging Investments
        • Top Personal Finance Books for New Zealanders
        • Top Ten Personal Finance Resources
      • Reviews
        • Simplicity Investment Funds Review
        • Squirrel Review
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        • New Zealand Financial Markets Authority (FMA)
      • Calculators
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    • Alternative Investments and Trading
      • Reviews
        • BlackBull Markets Review
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        • CMC Markets vs Plus500 vs IG Markets vs BlackBull Markets
      • Guides
        • How to Invest in Gold
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        • Forex Trading Guide
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      • Cryptocurrency
        • Reviews
          • Swyftx Review
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          • Vault International Bitcoin Fund Review
          • NZDD Review
        • Guides
          • How to Buy Bitcoin in New Zealand
          • Beginner's Guide to Bitcoin and Blockchain
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          • Guide to NFTs
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          • Bitcoin and Crypto Scams
          • Initial Coin Offerings
          • A Beginner’s Guide to Investing in Cryptocurrencies
          • Decentralised Finance
          • Bitcoin in New Zealand
          • New Zealand Bitcoin Exchanges
          • How to Buy Ethereum in New Zealand
          • Other Coins
            • How to Buy Ripple in New Zealand
            • How to Buy Cardano in New Zealand
            • How to Buy Dogecoin in New Zealand
            • How to Buy Litecoin in New Zealand
            • How to Buy Polkadot in New Zealand
  • Loans & Finance
    • Best Personal Loans
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      • Lender Reviews
        • Harmoney Loans Review
        • Nectar Review
        • Avanti Finance Review
        • Money Sweetspot Review
        • Save My Bacon Review
      • Credit Health
        • How to Build Credit in New Zealand
        • Credit Scores and Credit Checks
        • Interest Rates Guide
        • Interest Rate Comparison
      • Buy Now Pay Later Apps
        • Afterpay Review
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    • Best Car Finance
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      • Tools & Calculators
        • Car Finance Calculator
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      • Resources
        • Car Finance Documents Checklist
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      • Car Finance Company Reviews
        • Simplify Loans Review
        • Simplify Car Loans - Real Customer Reviews & Facts
        • Better Car Loans - Real Customer Reviews & Facts
        • Toyota Finance Review
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        • Simplify vs MTF vs UDC vs Heartland
        • AA Money Review
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      • Car Finance Add-On Insurance
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  • Car, Home & Pet Insurance
    • Overview
    • Car Insurance
      • Car Insurance by Vehicle
        • Compare Toyota Aqua Insurance Costs
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      • Reviews & Policy Comparisons
        • AMI vs AMP vs AA Insurance vs Cove vs State vs Tower vs Trade Me Insurance
        • Cove Car Insurance Review
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    • Home & Contents Insurance
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      • Average Cost of Car, House, and Contents Insurance
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      • Initio Review
        • Sum Insured Explained
    • Pet Insurance
      • Is Pet Insurance Worth Buying?
      • Cat and Dog Desexing
      • Getting a Kitten
      • Buying a Puppy
      • Pet Euthanasia
      • Vet Costs in New Zealand
      • Dog Vaccination Schedule and Costs
      • Costs of Owning a Cat
      • Costs of Owning a Dog
    • Business Insurance
      • Public Liability Insurance
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      • Business Interruption Insurance
      • ACC CoverPlus Extra (CPX) Explained
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    • Find a Broker
      • Trusted Insurance Brokers in Wellington
      • Trusted Insurance Brokers in Christchurch
  • Life & Health Insurance
    • Compare Life Insurance
      • Life Insurance Calculator
      • Life Insurance Policy Comparison - Cigna vs AIA vs Asteron Life vs Fidelity vs Westpac vs Partners Life
      • Life Insurance Explained (Videos)
      • Stepped vs Level Life Insurance
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      • Buying Life Insurance Direct vs Using an Insurance Broker
      • Life Insurance Policies - Features and Questions to Ask
      • When To Cancel Or Change a Life Insurance Policy
      • Life Insurance For Smokers and Vapers
    • Health Insurance
      • Health Insurance Explained (Videos)
      • Health Insurance Benefits and Limits Compared by Insurer
      • How Many New Zealanders Have Health Insurance?
      • Southern Cross Health Insurance Alternatives
      • ACC Claims Statistics
      • Pharmac Explained & Annual Review
      • Going to Australia for Medical Treatment
      • Dental Costs
      • BMI Calculator New Zealand
    • Income Protection Insurance
      • Income Protection Insurance Claims Statistics
      • Income Protection Insurance Explained (Videos)
      • ACC vs Income Protection Insurance
      • Income Protection Insurance for Self Employed
    • Mortgage Insurance
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  • Travel Insurance
    • Top Destinations
      • Australia Travel Insurance
      • USA Travel Insurance
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      • Other Destinations
        • Asia
          • China Travel Insurance
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        • Europe
          • France Travel Insurance
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        • Americas & Africa
          • Peru Travel Insurance
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    • Pre-Existing Medical Conditions Travel
    • Over 70s Cover
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    • Southern Cross Travel Insurance Review
    • Specific Risk Cover
      • Do I Need Travel Insurance?
      • Travel Insurance for Unexpected Events
      • Pregnancy Travel Insurance
    • Travel Insurer Reviews
      • Southern Cross vs CoverMore vs Allianz
      • Southern Cross Travel Insurance - Real Customer Reviews and Facts
      • 1Cover vs Southern Cross vs AA Travel Insurance
      • Allianz Travel Insurance - Real Customer Reviews and Facts
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • AMEX Airpoints Platinum Travel Insurance Review
      • 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
      • Our Travel Insurance Resources
  • Credit Cards
    • Best Credit Cards
    • Rewards and Cashback Credit Cards
    • Air New Zealand Airpoints Credit Cards
      • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
      • Westpac Airpoints Platinum Mastercard vs AMEX Airpoints Platinum
      • ANZ vs AMEX vs Westpac Platinum Airpoints Credit Cards
      • Kiwibank Airpoints Cards Have Ended – Best Replacement Options
      • BNZ Advantage Credit Cards Are Changing (Not Good News) – Best Replacement Options
    • The Best American Express Credit Cards
    • Credit Cards That Earn Business Class Flights
    • Platinum and Gold Credit Cards
    • Frequent Flyer Credit Cards
    • Travel Credit Cards
    • Credit Cards That Provide Travel Insurance
    • Balance Transfer Credit Cards
    • Interest Free Credit Cards
    • Virtual Debit and Credit Cards
    • Best Foreign Currency Debit & Credit Cards
    • Free Credit Cards
    • Low Interest Credit Cards
    • Credit Cards for Bad Credit
    • Guides & Tools
      • Pay Off Credit Card Debt
      • Credit Card Basics
      • Credit Card Minimum Payments Explained
      • Mastercard vs Visa
      • Credit Card Interest Calculator
      • Credit Card Debt Amortisation Calculator
      • How to Request a Credit Card Chargeback
    • Other Airline Credit Cards
      • Q Card & Q Mastercard Review
      • GEM Visa Review
  • Travel Money Cards
    • Travel Money Card Reviews and Comparisons
      • Wise Debit Card Review
      • Revolut Review
      • Revolut vs Wise - Which Is Better?
      • Travelex Money Card vs Wise Debit Card Comparison
      • OneSmart Card vs Wise Debit Card Comparison
      • Cash Passport vs Wise Debit Card Comparison
    • Travel Money By Country
      • Top Travel Destinations Where the NZD is Strong Right Now
      • Australia Travel Money
      • Bali Travel Money
      • Canada Travel Money
      • China Travel Money
      • Europe Travel Money
      • Fiji Travel Money
      • Japan Travel Money
      • Rarotonga Travel Money
      • Singapore Travel Money
      • South Korea Travel Money
      • Thailand Travel Money
      • USA Travel Money
      • UK Travel Money
      • United Arab Emirates Travel Money
  • Banking & Savings
    • Banking
      • Best Bank Accounts
      • Best Debit Cards
      • Best Joint Bank Accounts
      • Kids Bank Accounts
      • Cut Overdraft Costs
      • Open an Australian Bank Account from New Zealand
      • Open a UK Bank Account from New Zealand
      • Open a USD Bank Account from New Zealand
      • Sending Money to Australia
    • Savings
      • Best Term Deposits
      • Best Notice Saver Accounts
      • Booster Savvy Review
      • Booster Savvy Analytics Review
      • Best PIE Term Deposits
      • Best Call Accounts
      • Wedge Review
      • Best Savings Accounts
      • Term Deposits vs Cash Funds
      • Term Deposit Alternatives
    • Guides and Resources
      • Banks vs Credit Unions
      • Open Banking Explained
      • NZ Bank Prefix Codes
    • Reviews
      • Wise Money Transfer Review
      • Heartland Bank Review
      • First Credit Union Review
      • NZCU Baywide Review
      • The Co-operative Bank NZ Review
      • Western Union Review
  • Mortgages
    • Mortgage Essentials
      • Best Home Loans
      • Mortgage Calculator
      • Interest Rate Predictions 2026 & 2027
      • How Much Can I Borrow?
      • Debt to Income Ratios
      • Debt to Income Calculator
      • 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
    • Mortgage Management
      • Self-Employed Mortgage Applications
      • Interest Rate Strategies
      • Saving for a House Deposit
      • Saving for a House Deposit as a Young Professional
      • Top 10 Areas for First Home Buyers 2025
      • Buying a Home with Family and Friends
      • Pay Off Your Mortgage Faster
      • Mortgage Overpayment Calculator
      • What To Do if You Bought a House at the Peak of the New Zealand Market
      • Remortgaging Guide
      • Mortgage Relief and Holidays
      • Amortisation Calculator
      • Mortgage Break Fees & Calculator
      • Defaulting on a Mortgage
      • High Deposit Mortgages
      • Negative Equity
      • How to Manage Higher Mortgage Payments
      • Mortgage Refinance Calculator
    • Mortgage Brokers
      • Mortgage Brokers Explained
      • Auckland Mortgage Brokers
      • Whangerei Mortgage Brokers
      • Hamilton Mortgage Brokers
      • Tauranga Mortgage Brokers
      • Napier and Hastings Mortgage Brokers
      • Palmerston North Mortgage Brokers
      • Rotorua Mortgage Brokers
      • Gisborne Mortgage Brokers
      • Taupo Mortgage Brokers
      • Whanganui Mortgage Brokers
      • New Plymouth Mortgage Brokers
      • Wellington Mortgage Brokers
      • Wairarapa Mortgage Brokers
      • Kapiti Mortgage Brokers
      • Nelson Mortgage Brokers
      • Blenheim Mortgage Brokers
      • Christchurch Mortgage Brokers
      • West Coast Mortgage Brokers
      • Dunedin Mortgage Brokers
      • Queenstown Mortgage Brokers
      • Wanaka Mortgage Brokers
      • Invercargill Mortgage Brokers
      • LifeDirect Mortgages Review
    • Buying a Home
      • First Home Buyer Guide
      • Home Buying Glossary
      • Best House Price & Valuation Websites in New Zealand
      • New Zealand Property Types
      • Rateable Value vs Market Value
      • Leasehold Property Guide
      • Conveyancing vs Lawyers
      • Buying an Apartment in New Zealand
      • Buying vs Renting a House
    • Selling a Home
      • How to Sell Your House Privately
      • Real Estate Agent Fees
      • Bridging Finance
    • Property Investment
      • Every Tax Deduction Property Investors Can Claim
      • Trusts vs LTCs vs Companies
      • Investment Property Mortgages
      • 20 Property Investment Risks You Can't Ignore
      • Renting Directly to Tenants vs Using an Agent
      • Interest Deductibility Changes
    • Building a House
      • NZCB Review
      • Average Building Cost Per Square Metre
      • Cost to Build a New House
      • Buying Land to Build a House
      • Construction Loans
      • Tiny Homes in New Zealand
  • KiwiSaver
    • KiwiSaver Basics
      • Our Favourite KiwiSaver Funds
      • Best Performing KiwiSaver Funds
      • KiwiSaver Switching Explained
      • KiwiSaver Statistics Explained
      • Milford vs ANZ KiwiSaver Growth Funds Comparison
      • Free $260.72 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
      • KiwiSaver First-Home Withdrawal
      • KiwiSaver First Home Grant Guide
      • KiwiSaver Hardship Applications
      • KiwiSaver in a Divorce or Separation
      • KiwiSaver for Kids
      • Feijoa Review
    • KiwiSaver Schemes
      • AMP KiwiSaver Scheme
      • ANZ KiwiSaver Scheme
      • ASB KiwiSaver Scheme
      • AON KiwiSaver Scheme
      • BNZ KiwiSaver Scheme
      • Booster KiwiSaver Scheme
      • Fisher Funds KiwiSaver Scheme
      • Generate KiwiSaver Scheme
      • InvestNow KiwiSaver Scheme
      • Pie KiwiSaver Scheme Review
      • Kernel KiwiSaver Review
      • Kernel KiwiSaver Plan vs Superlife KiwiSaver Scheme
      • Kiwi Wealth KiwiSaver Scheme
      • kōura Wealth KiwiSaver Review
      • SBS Wealth KiwiSaver Scheme Review
      • MAS KiwiSaver Scheme
        • MAS Review
      • Mercer KiwiSaver Scheme
      • Milford KiwiSaver Plan
      • New Zealand Defence Force KiwiSaver Scheme
      • GoalsGetter KiwiSaver Scheme
      • Pathfinder KiwiSaver Review
        • Pathfinder vs ANZ KiwiSaver Growth Funds Comparison
      • QuayStreet KiwiSaver Scheme
      • Simplicity KiwiSaver Review
      • Summer KiwiSaver Scheme
      • SuperLife Review
      • Westpac KiwiSaver Scheme
    • KiwiSaver Calculators
      • KiwiSaver Calculator
      • KiwiSaver Returns Calculator
  • Retirement
    • Planning Your Retirement
      • Over-65 Entitlements - The Definitive List for New Zealanders
      • Retirement in a Nutshell
      • Retirement Budget Calculator (Budget Builder)
      • How Much Money Do You Need to Retire Comfortably in New Zealand
      • Can You Actually Retire on Just NZ Super?
      • Retirement Calculator
      • Net Worth Calculator
      • Can the Average New Zealander Become a Millionaire?
      • Million Dollar Calculator
      • Average and Median New Zealand Net Worth by Age 2024
      • Average KiwiSaver Balance by Age
      • When Can I Retire?
    • NZ Super & Pension Transfers
      • Super Rates 2026 and 2027
      • NZ Superannuation in a Nutshell
      • The Future of NZ Super
      • UK Pension Transfer to New Zealand
      • UK Pension Transfers - “Scheme Pays” Tax Rules
      • What Am I Entitled to If My UK Pension Scheme or Provider Makes a Mistake?
    • Retirement Income
      • How to Turn $100,000 Into a Retirement Income in New Zealand
      • How to Turn $500,000 Into a Retirement Income in New Zealand
      • How to Turn $2 Million Into a Retirement Income in New Zealand
      • How to Invest So You Never Run Out of Money in Retirement
      • How to Maximise Income in Retirement
      • Retirement Money Drawdown
      • Popular Retirement Income Products in New Zealand
      • Lifetime Retirement Income
      • Spending Your Savings in Retirement
    • Windfalls & Lump Sums
      • The Best Way to Invest Inheritance or a Windfall
      • How to Invest $1 Million in New Zealand
      • Investment Mistakes to Avoid When Accessing Your KiwiSaver Funds at 65
    • Getting Financial Advice
      • Financial Advisers Overview
      • Financial Advisers Directory
      • What the FMA Wants Financial Advice to Be
      • Craigs vs Forsyth Barr vs JBWere
      • Craigs Investment Partners Review
      • Lighthouse Financial Services Review
      • MAS Financial Advice Service Review
      • Free Initial Financial Advice
      • Private Banking
      • DIY Investing vs Investment Brokerage Firms vs Financial Advisors
    • Financial Advisers by City
      • Financial Advisers Auckland
      • Financial Advisers Hamilton
      • Financial Advisers Tauranga
      • Financial Advisers Napier & Hastings
      • Financial Advisers Palmerston North
      • Financial Advisers Wellington
      • Financial Advisers Lower Hutt & Hutt Valley
      • Financial Advisers Whanganui
      • Financial Advisers Kapiti
      • Financial Advisers Wairarapa
      • Financial Advisers Nelson & Tasman
      • Financial Advisers Christchurch
      • Financial Advisers Dunedin
    • Wealth Advisers by City
      • Wealth Advisers Auckland
      • Wealth Advisers Hamilton
      • Wealth Advisers Tauranga
      • Wealth Advisers Napier & Hastings
      • Wealth Advisers Palmerston North
      • Wealth Advisers Lower Hutt & Upper Hutt
      • Wealth Advisers Wellington
      • Wealth Advisers Nelson
      • Wealth Advisers Christchurch
      • Wealth Advisers Dunedin
    • Estate Planning & Later Life
      • Wills Guide
        • Enduring Power of Attorney Guide
        • Trusts Guide
        • Living Wills Guide
        • Probate
        • What to Do When a Spouse or Partner Dies
        • Funeral Costs
    • Senior Living
      • Retirement Villages
      • Rest Homes and Residential Care Facilities - Costs and Financing
      • Reverse Mortgages
      • Lifetime Home Review
      • Medical Alarms
      • Tips for Seniors Renting or Paying Down a Mortgage
      • SuperGold Card Review
    • Retire Early (FIRE)
      • FIRE Explained
      • How to Retire Early
      • Financial Freedom by 50
      • The Four Percent Rule
      • Five Types of FIRE Plans
      • Achieving Financial Independence, Faster
      • Getting FIRE’d in New Zealand
      • FIRE and NZ Real Estate
  • Law & Accounting
    • Legal Resources
      • Separation Agreements
      • Prenuptial Agreements
      • Divorce Guide
      • Agreeable Review
      • Footprint Online Wills Review
      • Perpetual Guardian
    • Choosing an Accountant
      • Accountants in Auckland
      • Accountants in Wellington, Hutt and Kapiti
    • Tax
      • Beginner's Guide to Tax
      • Salary Sacrifice in New Zealand
      • Tax Bracket Creep
      • Tax Refunds
  • Business
    • Business Bank Accounts
    • Business Credit Cards
      • American Express Gold Business Card Review
    • Compare Business Loans
      • Compare & Choose
        • Small Business Loans
        • Business Line of Credit
        • Business Borrowing Options
        • Invoice Finance
      • Calculators
        • Business Loan Calculator
        • Small Business Loan Calculator
        • Business Line of Credit Calculator
        • Business Loan vs Line of Credit Calculator
      • Vehicle & Leasing
        • Commercial Vehicle Finance Options
        • Operating Leases
        • Finance Leases
        • Operating Leases vs Financing Leases
      • Lender Reviews
        • Prospa Business Loans Review
        • Bizcap Business Loans Review
        • Taxi (Business Funding) Review
      • Guides & Data
        • Business Lending Data & Trends
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  • Banking & Savings
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  • KiwiSaver
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  • Motoring
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  • EVs
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  • Travel
    • Air New Zealand Specific
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    • Best of New Zealand
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    • Hotels & Dining
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    • Foreign Currency Exchange
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    • Moving Overseas
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      • Moving to Australia
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  • Mobile & SIM
    • Compare Mobile Plans
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    • Apple Watch Buying Guide
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  • Broadband
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  • Power
    • Compare Power Companies
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    • Power Companies
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  • Essential Money Tips
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The Best Ways to Redeem Air New Zealand Airpoints - The Definitive Guide

Our guide outlines the best ways to redeem 100 and 500 Airpoints (previously known as Airpoints Dollars), although the findings generally apply to any balance.
How to Redeem Air New Zealand Airpoints
Updated 31 August 2026

Important: This guide was relaunched in August 2026. Every fee and redemption figure was checked against Air New Zealand's and each card issuer's published terms. They can change at any time, so confirm the details on Air New Zealand's site before you redeem. Report an error on this page - no name or email needed.
Summary
  • Millions of New Zealanders are sitting on Airpoints balances earned from credit card spend, flights, partner spend (e.g. New World and Mitre 10) and credit card sign-up bonuses.
  • Our guide is designed to explain the best way to get the highest value for Airpoints redemptions and avoid the pitfalls.
  • We look at Domestic, Australia and Pacific Travel, Upgrades, Retail Vouchers, Airpoints Store (General Items), Koru Club Membership and Star Alliance Partner Redemptions.

Know This First: Do you have a Platinum Airpoints Credit Card?
  • Many New Zealanders hold an Airpoints Platinum card from ANZ or Westpac. Both earn 1 Airpoint per $110 spent (Westpac drops to 1 per $220 once you pass $7,000 in a month), against 1 per $70 on the AMEX Airpoints Platinum - 36% fewer Airpoints for every dollar.
  • The fees differ too: ANZ $150 p.a., Westpac $125 p.a., AMEX $195 p.a.
  • Neither bank card comes with lounge passes; AMEX includes four visits a year.
  • AMEX has real drawbacks of its own (a 2.50% foreign currency fee and patchier acceptance), which we set out further down this page.
  • If you hold one of these cards, our comparisons are here:
  1. ANZ Airpoints Platinum vs AMEX Airpoints Platinum
  2. Westpac Airpoints Platinum vs AMEX Airpoints Platinum

If you want to use 100 to 500 Airpoints, our research suggests:

Best use:
  • If you want to travel, domestic flights are an easy way to redeem, especially if you book during sale periods (for example, Auckland to Queenstown for $109 or Wellington to Queenstown for $89 during sales).
  • Business class on Star Alliance partners within Asia and Europe can be good value: Thai Airways, Turkish Airlines and Singapore Airlines redemptions start from 250 Airpoints one way for sectors under 1,000km (300 for 1,000 to 1,999km), plus taxes. Expect recliner-style seats on short sectors - the lie-flat products are on the longer routes. You can use the booking tool here. Plus, you can book for travelling companions added as family members or friends. 
  • If you don't want or need to travel, Mitre 10 vouchers, ordered through the Airpoints Store in $50, $100, $250 and $500 denominations, can be used in-store or online.
  • The Airpoints Store's voucher range is limited (around 120 gift cards, and none for the supermarkets or big electronics chains); in our view Mitre 10 is the most useful of them, with a wide range and regular sales. Other vouchers can be found here.

Be aware:
  • Australia and Pacific flights incur many add-on taxes, so a $499 return to Sydney sale airfare uses around 217 Airpoints, with the remaining $282 of taxes and charges paid by card. 
  • Airpoints Store items are, arguably, a mixed bag. There are periodic deals and discounts, and Apple products generally price-match the Apple Store. With 7,000+ items on offer, the selection is wide. However, some items may cost above retail price (our research found instances of between 5% and around 10%​ in our sample survey when applying 1 Airpoint as one dollar "exchange" rate, but in one case the same item cost 100% more than the listed price on a popular New Zealand retailer). There's also a convoluted returns policy where you'll get store credit but not your Airpoints back if you return items (it's best deciphered here).
  • OneUp upgrades - our bid guide reports that upgrade seats are often scarce, especially on long-haul routes.
  • Koru Club membership can be purchased with Airpoints, but it is costly to join for one year without using a credit card offer. The AMEX Airpoints Platinum, ANZ Airpoints Visa Platinum and Westpac Airpoints Platinum Mastercard all waive the $270 joining fee and take $145 off a one-year individual membership - in year one that saving is more than any of the three cards' annual fees.
 
Please note: This guide is aimed at Airpoints members who have between 100 and 500​ Airpoints in their accounts and want a cost-effective and rewarding way to use them. We have not written it from the perspective of a premium Airpoints member (i.e. a Koru Gold, Platinum or Black member​).
Our guide covers:
  1. Options to Use Airpoints
  2. The Bottom Line
  3. Frequently Asked Questions

Important: Shairpoints can help to get better rewards
  • If you're part of a household with several Airpoints accounts, we strongly suggest you consider linking them up to enable Shairpoints.
  • Shairpoints lets you pool your Airpoints together and makes it easier to redeem them for flights or other items.
  • For example, rather than four people having 50 Airpoints each in their accounts, Shairpoints lets you spend up to 200 Airpoints in one transaction.
  • Shairpoints is free to use. It also extends to friends and family members living outside your address.

​Earning Airpoints Faster: the AMEX case, and the case against it

Credit Card for Airpoints & Status Points
Credit Card for Airpoints & Status Points Award AMEX
Learn More or Apply
Why is there so much Amex on this page?
  • American Express pays MoneyHub a referral fee when a reader applies through the links on this page. That fee doesn't set the figures below - they come from each issuer's published terms - and it doesn't change our view that the card only pays off if most of your spending goes on it.

The earn-rate gap is real:
  1. The AMEX Airpoints Platinum ($195 p.a. card fee) earns 1 Airpoint per $70 spent
  2. ANZ Airpoints Visa Platinum ($150 p.a.) and Westpac Airpoints Platinum Mastercard ($125 p.a.) earn 1 per $110 (Westpac drops to 1 per $220 once you pass $7,000 in a month).
  3. On $36,000 of card spending a year that is 514 Airpoints on AMEX against 327 on either bank card - AMEX earns 57% more per dollar, and the bank cards 36% fewer.

The AMEX fee is covered by the earn rate alone at around $13,650 of annual spending; below that, the card costs you money unless the sign-up bonus does the work (400 Airpoints is roughly two years of the fee).

For Status Points, AMEX earns 1 Status Point per $250 spent (Westpac: 1 per $225; ANZ: none from spending, but a 50% bonus on Status Points from Air New Zealand flights) and includes four lounge visits a year (two Priority Pass visits and two Centurion Lounge entries at Sydney or Melbourne), travel insurance and smartphone screen cover.

Where the bank cards can come out ahead (depending on how you spend):
  • Overseas spending: AMEX charges 2.50% on foreign currency transactions - the highest of the major cards. ANZ charges 0% on all its personal credit cards; Westpac charges 1.83%. On $10,000 of overseas spending, AMEX's fee is $250 and the extra Airpoints it earns over a bank card are worth about $52. If you travel a lot, ANZ wins abroad.
  • Acceptance: AMEX isn't accepted everywhere - smaller cafes and independent retailers are the usual gaps. MoneyHub readers routinely write in to say they like the card, but it only makes sense if the places you spend most take it (the big supermarkets, fuel chains, hardware stores and most online retailers do). Spending you have to move to a backup card earns nothing.
  • Travel insurance and interest: ANZ's cover has unlimited overseas medical, a $200 excess and 90 days per trip; AMEX's is capped at $2.5m medical, a $250 excess and 180 days. AMEX's purchase rate is 22.95% p.a., ANZ's and Westpac's 20.95% p.a. - if you ever carry a balance, no Airpoints card is the right card.
  • Who the AMEX card isn't for: Anyone who carries a balance, spends heavily overseas, shops mainly where AMEX isn't taken, or spends well under $13,650 a year on the card.

Further details:
  • Bonus offer: There is a bonus offer for new card members of 400 bonus Airpoints when you apply by 28 October 2026, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only.

The Best Ways to Use Airpoints

Options to Use Airpoints:

1. Domestic, Australia and Pacific Travel

Air New Zealand is, in many cases, affordable if you book flights in advance. While this may seem obvious, the best offers are always domestic sales. 100 and 500 Airpoints can go a long way, especially using Flexipay, where you can top-up Airpoints with cash to pay for flights. 

As our guide to cheap domestic flights outlines, you can save money and make your Airpoints go further by considering the following:
  • Sign up to Air New Zealand email alerts to be among the first to know. Sales are usually emailed with no warning, so you won't have to wait to book. 
  • Refrain from paying for seat reservations. Unless you have a special reason, paying $5 or $10 to sit next to someone for a 1-hour flight doesn’t make much sense.
  • Unless you need checked baggage, don’t buy a "seat+bag" airfare. Air New Zealand charges extra for a checked bag which you can add in later if you need a bag.
  • Rental car and hotel add-ons are expensive. Air New Zealand likes to offer “deals” but the rental cars and hotels on offer are often cheaper through a price comparison site or direct with the company. Sites like Kayak and Booking.com usually offer a wider range and often a better price on the things you’ll need for your travel.
​
Know This: If you book flights to any international destination (for example, Australian and Pacific Island flights), you must pay all government and security taxes. In most cases, this is around $180-$200 (Pacific Islands) and $270-$300 (Australia) as you can see in this screenshot from Air New Zealand for an example flight to Sydney. This means that a $499 return ticket to Sydney would use around 217 Airpoints. The rest of the airfare, around $282, would need to be paid by debit card, credit card or bank transfer. Unlike international flights, the advantage of New Zealand domestic travel is that all taxes are included in the fare, so there are no additional charges if you have enough Airpoints.

2. Upgrades

OneUp is Air New Zealand's cabin class upgrade service. With any booking on an eligible Air New Zealand ticketed and operated international flight, any passenger can make a bid to upgrade their flight by one class. This is done by way of a dollar bid, which can be paid in cash or Airpoints. Air New Zealand then notifies you 3-7 days before your flight if you have been successful.

Our guide to OneUp upgrades covers suggested bids. Whether or not bidding 100 to 150 Airpoints for an upgrade from economy to Premium Economy is good value depends on your needs and wants. The main gains are a larger seat with more legroom and recline, a better meal and drinks service and a bigger checked baggage allowance - lounge access isn't included.​ However, we can't compare or provide further details because of the subjectivity in the "value" generated from an upgrade.   

More details: OneUp Guide

3. Retail Vouchers

The Airpoints Store offers around 120 gift cards and vouchers, which can be redeemed at selected retailers, restaurants, ski fields, clothing stores, cinemas, spas and tourism operators.

Based on our review of the gift card and voucher partners, we believe Mitre 10 vouchers offer an attractive option for using Airpoints. Members can request credit in $50, $100, $250 and $500 denominations to be used in-store or online.

If you're not interested in Mitre 10, restaurants are a good option as well, though the options are limited and tend to be higher-end venues. Searchin
g "restaurants" in the Airpoints Store is the fastest way to see what's currently available.

Know This: Despite offering numerous Airpoints earning partners, you can't spend Airpoints in retailers like Noel Leeming, New World, Harvey Norman, petrol stations and hotels. For this reason, we believe Airpoints' retail voucher partners are limited.
How to Use Airpoints

4. Airpoints Store (General Items)

There are over 7,000 items available on the Airpoints Store. However, the first question you should ask is would you want (or buy) any of the stuff available if you went into a store? And if you do, is it cheaper at Mitre 10? (where you can redeem a voucher). 

The Airpoints Store does have some benefits:
  1. There are periodic deals and discounts.
  2. Apple products generally price-match the Apple Store.
  3. With 7,000+ items on offer, the selection is wide.

However, some items may cost above retail (our research found instances of between 5% and around 10% in our sample survey when applying 1 Airpoint as one dollar "exchange" rate), and there's a convoluted returns policy where you'll get store credit but not your Airpoints back if you return items (it's best deciphered here).

Our view:
  • Scrolling the endless categories of the Airpoints Store will likely absorb a lot of time and be of little value. Even though we found items that were priced slightly below retail, that's rare.
  • Overall, it is a mixed bag, and the price differences should be expected. You may see an item for 60 Airpoints but be able to buy it from Mitre 10 or Mighty Ape for $39.99.
  • Before selecting any item from the Airpoints Store, it is worthwhile to Google search the product's name to see if you're paying a fair price. A Mitre 10 voucher is likely to offer a better range and a lower price.

5. Koru Club Membership

Koru Club membership can be paid with Airpoints; however, joining directly with Air New Zealand is much more expensive than joining via a Koru-friendly credit card.

The American Express Airpoints Platinum Card, ANZ Airpoints Visa Platinum and Westpac Airpoints Platinum Mastercard all waive the $270 joining fee and take $145 off the annual fee. The discount applies to one-year individual memberships only - not two-year, senior or corporate memberships. Our table explains this in detail:
FeesJoining directly with Air New ZealandWith a qualifying credit cardSaving with the card
Joining fee$270Waived$270
One-year membership$875$730 ($875 less $145)$145
Total, year one$1,145$730$415 (36%)
Each renewal year$875$730$145 (17%)
Qualifying cards: American Express Airpoints Platinum, ANZ Airpoints Visa Platinum and Westpac Airpoints Platinum Mastercard. The discount applies to one-year individual memberships only.
Summary: With a qualifying credit card, year one costs $730 instead of $1,145, and each renewal $730 instead of $875.

Important: ANZ's Airpoints Visa Platinum offers a 200 Airpoints advance. This allows you to spend up to 200 Airpoints before you've earned them, similar to an overdraft. However, you will need to spend $22,000 on your card to earn enough Airpoints to repay the "advance". Therefore, we urge caution around using an Airpoints advance as it's a form of debt.


6. Star Alliance Partner Redemptions

As a member of the Star Alliance, Air New Zealand allows you to book flights on its partner airlines (of which there are over twenty). Examples include Singapore Airlines, United and Lufthansa. You'll need to pay the associated airport, government and security taxes. 

More details:
  • The Airpoints needed will depend on the one-way distance of the flights, as outlined in this Star Alliance table
  • You can make a booking here: Use your Airpoints to redeem Partner Airline flights
  • The fare rules are outlined here: Flight reward on partner airline fare rules
  • Video Overview: Our video below shows you how this works for popular airlines such as Singapore Airlines, Thai Airways, United, Turkish Airlines and more
Per One-Way Sector (km)
Economy Class
Business Class
First Class
Example Flight
0 - 999
125
250
375
Lufthansa
London - Munich
1,000 - 1,999
150
300
400
Air Canada
Los Angeles - Vancouver
2,000 - 2,999
250
500
750
Thai Airways
Bangkok - Taipei
3,000 - 3,999
375
650
1,000
Air India
Singapore - Mumbai
4,000 - 4,999
450
800
1,250
United Airlines
Los Angeles - New York
5,000 - 7,499
550
1,000
1,500
Singapore Airlines
Sydney - Singapore
7,500 - 9,999
650
1,300
2,000
Singapore Airlines
Auckland - Singapore
10,000+
750
1,600
2,500
Singapore Airlines
Singapore - Newark

MoneyHub Founder Christopher Walsh shares his Star Alliance redemption insights:

"Star Alliance redemptions through Airpoints can be brilliant or frustrating - it entirely depends on which airline and route you're targeting. After extensive testing and booking over ten years, I've found some exceptional sweet spots that deliver real value.

The Winners:
  • Thai Airways business class to Europe is the standout - you can fly Asia to Europe via Bangkok for around 1,600 Airpoints plus taxes. That's extraordinary value for a lie-flat business class experience that would cost NZ$3,800+ if purchased outright. The catch? Availability is limited, and you need to book well in advance.
  • Turkish Airlines offers another gem - their business class sectors within Europe or to Asia (from Istanbul) start from 250 Airpoints for sectors under 1,000km (300 for 1,000 to 1,999km). 

The Reality Check:
  • Singapore Airlines and United Airlines redemptions from/to New Zealand are essentially impossible. Despite being Star Alliance partners, they release almost no award seats for Airpoints members.
  • I've checked availability dozens of times over the years - unless you're incredibly lucky or flexible with dates, forget about using Airpoints for these carriers on trans-Pacific routes.

My Verdict: The old booking fees have been scrapped for online bookings, which helps. Yes, you still pay taxes (typically $10-$400+ depending on the route), but for the right redemption - particularly Thai Airways and Turkish Airlines business class, you're getting a lot of value". ​
Christopher Walsh MoneyHub Founder
Christopher Walsh
MoneyHub Founder


Picture

The Bottom Line

As per our research and findings, we believe:
  1. Domestic flight sales and promotions are arguably a great use of Airpoints. You avoid paying any additional taxes (as you would for an overseas booking), and you can use Shairpoints and Flexipay to maximise your balances and minimise costs. For example, Auckland to Queenstown for $109 or Wellington to Queenstown for $89 are standard sale prices offered periodically.
  2. Australia and Pacific Island flight sales and promotions may appear to be cheap, but the reality is for a $499 or $599 airfare, around half of the cost will be charged to your debit or credit card as Airpoints don't cover the government and security taxes which are significant (as per this Sydney example).
  3. Retail vouchers are easy to order from the Airpoints Store and easy to use. They work point for dollar, meaning 100 Airpoints, for example, buys $100 of Mitre 10 vouchers or $100 of restaurant vouchers. Given the selection of items available at Mitre 10 and the regularity of its sales, and the fact you can use the vouchers online or in-store, the convenience and range is arguably second to none. 
  4. The Airpoints Store items are a mixed bag. Some items under the "deals" section can be good value relative to everyday retail prices, while others can be 5% to 100% higher (in extreme cases). In addition, free delivery is offered (metro areas take up to 5 business days, regional areas take up to 8 business days). Our view is that the most flexibility comes from retail vouchers, specifically Mitre 10, as outlined above. 
  5. Koru Club membership may be worthwhile, depending on how frequently you travel, but the most cost-effective way to join is via a qualifying credit card.
  6. Star Alliance Partner redemptions are arguably best avoided for short-haul international travel. By the time you add in taxes while facing restricted dates and flights due to "award inventory" (as is typical with partner airline redemptions), you may face a lot of hassle and cost. We believe it's likely to be more cost-effective to pay for any Star Alliance flight with cash and, depending on the booking class, earn Airpoints and Status Points when you travel.

The Best Ways to Use Airpoints

Frequently Asked Questions

Our list of common queries below covers what's important when it comes to spending your Airpoints.

Do Air New Zealand Airpoints expire?

Yes - Airpoints expire four years after they're earned, and expired Airpoints are removed on the anniversary of the date you joined. Two card benefits override this: Airpoints don't expire while you hold an American Express Airpoints Platinum Card or an ANZ Airpoints Visa card as the nominated earner.

How do I know when Airpoints expire?

Air New Zealand highlights your Airpoints' expiry date in your account under "Airpoints Expiry" on your member homepage.

Can you share Airpoints?

Yes - Shairpoints ​lets you pool Airpoints with up to nine members of one Shairpoints account. It's free, and members don't have to live at your address.

Can I transfer my Airpoints to someone else?

No - but you can use Shairpoints to pool your Airpoints together to redeem a reward or flight.

Do retailers like Harvey Norman, Noel Leeming and New World take Airpoints as payment?

No - but certain items stocked by Harvey Norman can be redeemed on the Airpoints Store website. You'll need to search "Harvey Norman", although the available items are listed here. With over 7,000 items available, using the Airpoints Store's search function is always the fastest way to find what you want.

How much is an Airpoint worth?

If used for travel on Air New Zealand or any voucher issued, one Airpoint is worth one New Zealand Dollar.

Can you use Airpoints for hotels and rental cars?

  • Rental cars, yes - a rental car booked through Air New Zealand can be paid with Airpoints (as can Air New Zealand's travel insurance).
  • Hotels, no - accommodation bookings can't be paid with Airpoints.

Can I spend Airpoints at restaurants?

Yes but only through pre-purchased "restaurant gift cards" for that particular restaurant and of a specific value (for example $100 or $200). You can't pay at the till with your Airpoints card.

How much do you need to spend to earn Airpoints?

With some retail partners, it can be as low as $1. Most Air New Zealand flights earn Airpoints (the more expensive the ticket/fare class, the more you earn). This guide from Air New Zealand covers everything you need to know.

Related Guides
  • ​Compare Air New Zealand Credit Cards
  • The Fastest Way To Earn Air NZ Status Points
  • Air New Zealand OneUp
  • Air New Zealand Flexipay
  • Cheap Domestic Travel
  • AMEX Airpoints Platinum Card Review
  • ANZ Airpoints Platinum vs AMEX Airpoints Platinum
  • ​Westpac Airpoints Platinum vs AMEX Airpoints Platinum

​Important: Do you need Travel Insurance? Too many New Zealanders take the risk and travel without it. Our Compare Travel Insurance guide helps you find affordable coverage from trusted insurers with a history of paying claims. We also compare by country to help you make finding what you need easier: 
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  • Essential Money Tips
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  • Students
    • Money
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    • Jobs
      • Student Jobs Guide
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    • Education & Studying
      • Tips for Choosing NCEA Subjects
      • Resources for NCEA Students
      • What Employers Want (and Understanding NZQF)
      • Tips for Studying Biomed and Health Science
      • What to Study in 2026
      • Alternative Study Providers
      • School Holidays 2026 and 2027
      • Public Holidays 2026 & 2027
  • Events
    • Webinars
    • 2026 MoneyHub Expo
    • 2026 Summit
    • 2025 Summit