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 Wellington
          • Financial Advisers Christchurch
        • 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
      • 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
      • ANZ vs AMEX vs Kiwibank 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
      • 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
      • AMI Travel Insurance Review
      • State Travel Insurance Review
    • Essential Information
      • Basic vs Comprehensive Travel Insurance
      • Health Insurance vs Travel Insurance
      • ACC vs Travel Insurance
      • Australia NZ Reciprocal Health Care Agreement
      • Travel Insurance Excess Explained
      • Claiming on Travel Insurance
      • How to Renew a New Zealand Passport
      • What is TAANZ?
      • Travel Packing List
      • Travel Insurers Directory
      • Travel Insurance Glossary
  • Mobile & SIM
    • Compare Mobile Plans
    • SIM Only Mobile Plans
    • eSIM Plans
    • Apple Watch Buying Guide
    • Spark Mobile Review
    • 2degrees Mobile Review
    • One NZ Mobile Review
    • Kiwi Mobile Review
    • Mobile Data Roaming
    • Saily Review
    • Best iPhone Plans
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Kiwibank Airpoints Platinum Visa vs American Express Airpoints Platinum

We compare the popular Kiwibank Airpoints Platinum Visa and the AMEX Airpoints Platinum cards, examining each card's features, fees, advantages, and disadvantages to help you determine which option best suits your needs.
Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum NZ
Updated 22 February 2025
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Summary
  • This guide compares the popular Kiwibank Airpoints Platinum Visa with AMEX's Airpoints Platinum card. Both earn Airpoints Dollars, but the earning rates are vastly different despite a similar annual fee.
  • We estimate over 100,000 New Zealanders hold the Kiwibank card, but the benefits have been cut back since late 2022. The most significant development is the drop in earn rates. If you're a Kiwibank cardholder, we suggest reading on to explore the alternatives.
  • The Kiwibank Airpoints Platinum Visa earns around 40% fewer Airpoints Dollars per $1 spent than the American Express Airpoints Platinum Card. The more you spend each month, the fewer Airpoints Dollars you earn relative to the AMEX option.
  • Our comparison looks at the true cost of holding both cards and how much you'll be rewarded for a range of annual spending. We have written our comparison to appeal to existing Kiwibank Airpoints Platinum Visa cardholders to help explain the key differences.
  • Update: For the American Express Airpoints Platinum card, the current $59 spend = 1 Airpoints Dollar rate is valid until 2nd October 2024. From 3rd October 2024, the rate will change to $70 spend = 1 Airpoints Dollar. For the purposes of this guide, we have used the 1:70 rate.

Christopher Walsh, MoneyHub's Founder and Head of Research, shares his views on earning Airpoints Dollars with both the Kiwibank and American Express Platinum cards:

"Airpoints is one of the most useful loyalty programs in New Zealand, but things have changed for platinum cardholders, and bank customers are suddenly much worse off. Based on the numbers outlined below, I argue that Kiwibank Airpoints-branded cards offer a poor deal compared to AMEX's offering. However, that doesn't mean AMEX is a sure bet - card acceptance outside of main retailers can be hit or miss, which means New Zealanders often need to rely on a backup credit card.

Nonetheless, Kiwibank has cut the Airpoints earning rate significantly, eliminated lounge vouchers and for no apparent reason increased the annual fee from $150 to $180. The result is a high annual fee card that only starts covering its costs after you spend $20,700 a year. I think this is outrageous and argue Kiwibank's platinum offering is the worst performing card when compared to Westpac's and ANZ's platinum Airpoints offerings.

In comparison, the AMEX card earns almost double the Airpoints dollars per dollar spent, lounge vouchers and other perks for a similar annual fee.

We've published this guide to help you challenge Kiwibank's offering and determine whether it still delivers the best value for your needs. I continue to challenge the banks on their appalling savings rates (see my Stuff.co.nz column here). I firmly believe that until they become more competitive (which is unlikely), American Express is the most rewarding card on the market by quite some margin".
Christopher Walsh MoneyHub Comparing ANZ vs AMEX Airpoints Platinum Cards
Christopher Walsh
MoneyHub Founder and
Head of Research


To help you know all the facts and make an informed decision, our guide covers the following:
  • Kiwibank and AMEX Airpoints Platinum Cards Side-by-Side
  • Airpoints-Earning Platinum Cards in Nutshell
  • Pros, Cons and Must-Know Facts of Using an AMEX Card
  • AMEX Testimonials
  • Our Conclusion

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.

Our video below explains this guide in detail and outlines the specific differences between Kiwibank and AMEX's Airpoints Platinum offerings:

Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum NZ Comparison

Kiwibank Airpoints Platinum Visa vs American Express Airpoints Platinum - Side-by-Side:

Each card has a unique Airpoints Dollars earning rate and specific differences, outlined below:
Features
AMEX Airpoints Platinum
Kiwibank Airpoints Platinum Visa
Earning Rate
$70 spent = 1 Airpoints Dollar
$115 spent = 1 Airpoints Dollar
Bonus Airpoints Dollars
Be rewarded with 400 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. Offer ends 26 May 2025.
None
Annual Fee
$195 (no charge for supplementary cards)
$180 (supplementary cards are an additional $30/year)
Status Points
$250 spent = 1 Status Point
$200 spent = 1 Status Point
Insurance Benefits
Domestic and International Cover
International Cover
Interest-Free Days
Up to 55 Days
Up to 44 Days
Interest Rate
22.95% p.a. on purchases
20.95% p.a. on purchases
Lounge Access
Four vouchers per year (two in Auckland, and two in Australia)
None
Airpoints Earned Per Year from $3,000 Monthly Spend
610
(and 144 Status Points)
313
(and 180 Status Points)
Airpoints Earned Per Year from $5,000 Monthly Spend
1016
(and 240 Status Points)
521
(and 300 Status Points)
Airpoints Earned Per Year from $10,000 Monthly Spend
2033
(and 480 Status Points)
1043
(and 600 Status Points)
Annual Spend Required to Earn Enough Airpoints Dollars to Offset the Annual Card Fee
$13,650
(excluding the 400 Airpoints Dollars signup bonus for new applicants, which arguably offsets 1.5 years of card annual fees)
$20,700
More Information
AMEX Airpoints Platinum
Kiwibank Airpoints Platinum Visa

Kiwibank Airpoints Platinum Visa vs AMEX Card Comparison - Findings, Highlights and What to be Aware Of:

  • AMEX outperforms Kiwibank: AMEX earns almost double to number of Airpoints Dollars per dollar spent compared to Kiwibank, and we believe this makes AMEX the strongest card despite some limitations around acceptance in smaller retailers.
  • The AMEX card is cheaper to hold: Based on the numbers above, if you use the American Express Airpoints Platinum Card, you'll need to spend around $13,650 to generate 195 Airpoints Dollars to "offset" the annual $195 fee. However, given the much lower earning rate, you'll need to spend $20,700 on the Kiwibank card.
  • Kiwibank offers around 20% more Status Points on spend than AMEX: Cardholders of either card will benefit from a constant boost as they spend, making it easier to re-qualify for Air New Zealand Gold (or similar). Kiwibank cardholders will enjoy more of a tailwind given $200 spent earns one Status Point, whereas with AMEX you'll need to spend $250. However, if you're not looking to achieve  Gold or Gold Elite status, Status Points are irrelevant.
  • Overall, AMEX offers far more benefits: If you spend over $1,000 a month on a credit card and always repay the balance after each month, the AMEX option offers tremendous benefits such as lounge access for international trips, comprehensive domestic and international travel insurance, a signup bonus and comfort knowing you're earning the highest amount of Airpoints Dollars every time you use a card. No other card comes close, and given the annual fees for both cards are similar, AMEX offers much better value.
  • Apple Pay compatibility: AMEX supports Apple Pay in New Zealand, an enhancement launched in early 2024.

Other important differences to be aware of:
  1. Customer service: AMEX is known for its exceptional customer service, as evidenced in our testimonials below, as well as in our chargebacks guide. The difference with the Kiwibank is that you deal directly with the credit card company and don't need to go via a bank. There's an 0800 number operating from 9am to 6pm, Monday to Friday. Kiwibank offers an 0800 number and operates 7am - 8pm Monday to Friday and 8am to 4:30pm Saturday and Sunday.
  2. Supplementary cardholders: AMEX does not charge an annual fee for supplementary cardholders, while Kiwibank charges $30/year for supplementary cards. This is relevant for those looking to add their partners or family members to their account as it's an added ongoing cost for Kiwibank customers.
  3. ​Payment options: Kiwibank and AMEX accept payments via direct debit and online banking transfers and over the phone. With Kiwibank, you can also pay in a branch.
  4. FX fees: Kiwibank charges 1.85% on non-NZD transactions, whereas AMEX charges 2.50%, so if you're using your card extensively overseas, the 0.65% difference eats up any extra Airpoints Dollars earned.
  5. Eligibility Criteria: Kiwibank and AMEX require applicants with a good credit history and the ability to pay balances in full. There is no minimum salary requirement.
  6. Application Process: Kiwibank and AMEX will require bank statements and ID scans to prove income and other documents in specific cases.
  7. Koru membership: Both cards discount the annual membership and waive the joining fee. You can read more about Koru and whether it's worth the cost here.
  8. Fraud protection: Kiwibank and AMEX offer 24/7 fraud helplines, account alerts and real-time transaction monitoring. You can read the policies in detail from Kiwibank and AMEX.
  9. Payment networks: American Express operates its own payment network, which may impact acceptance rates compared to Visa (and Mastercard). This could be a factor when considering which card to choose, depending on where you plan to use it.
  10. Card design and material: Kiwibank and AMEX's Platinum-level Airpoints cards are designed in plastic and appear per the imagery on this comparison.
  11. Redemption options: Airpoints Dollars can be redeemed when booking flights, upgrading seats, or purchasing items through the Airpoints Store. Our guide to spending Airpoints Dollars has more details.

Important: We have not covered balance transfer offers or late payment fees, as this comparison is designed for anyone who consistently repays their monthly balance in full when due and maximises the value of the benefits earned as a result of doing so.

Christopher Walsh MoneyHub Founder and Head of Research outlines a value-based summary of the two cards:

Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and
Head of Research

"AMEX earns almost double the number of Airpoints Dollars per dollar spent compared to the Kiwibank Airpoints Platinum Visa, making it the strongest card despite some acceptance limitations in smaller retailers and eateries. For this reason, it's our 2023 Editor's Choice Favourite Airline Credit Card.

The American Express Airpoints Platinum Card requires around $13,650 in spending to offset its $195 annual fee, compared to $20,700 for the Kiwibank card, making the AMEX card more cost-effective. And that's before adding up the value of lounge benefits and sign-up bonuses.

If you're Air NZ Gold (or want to achieve it), both Kiwibank and AMEX offer Status Point earning opportunities - Kiwibank is 20% more generous which is a useful benefit, but given it generates around 40% of the Airpoints Dollars per dollar spent, Status Points don't make Kiwibank a good deal.

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 About AMEX
Visit Kiwibank

Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum NZ Comparison

Airpoints-Earning Platinum Cards in Nutshell - Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum

We outline the fees, interest rates, bonus offers and perks of each card:
AMEX Airpoints Platinum
Learn more or apply

The American Express Airpoints Platinum Card

Basics:
​Annual Fee:
 $195
Annual percentage interest rate: 22.95% p.a.
Interest Free Period: up to 55 days
Bonus Offer: Be rewarded with 400 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. Offer ends 26 May 2025.​
Read more: Airpoints Platinum Review

​Benefits:
  • Every $70 you spend = 1 Airpoints Dollar, and $250 spend = 1 Status Point
  • Complimentary Domestic and International Travel Insurance
  • Four lounge passes per year (two in Auckland Airport, two for either Sydney or Melbourne)
  • ​Complimentary Mobile phone screen insurance (if you used your AMEX to pay for the phone, up to repair costs of $500).

Learn more or apply

Kiwibank Airpoints Platinum Visa
Learn more or apply

Kiwibank Airpoints Platinum Visa

Basics:
​Annual Fee:
 $180
Annual percentage interest rate: 20.95% p.a.
Interest Free Period: up to 44 days
Bonus Offer: None

​Benefits:
  • An earning rate of 1 Airpoint per $115 spent
  • $30/year supplementary card fee
  • Overseas travel insurance

Learn more or apply

Christopher Walsh MoneyHub Founder and Head of Research outlines a value-based summary of the two cards:

Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and
Head of Research

"AMEX earns almost double the number of Airpoints Dollars per dollar spent compared to the Kiwibank Airpoints Platinum Visa, making it the strongest card despite some acceptance limitations in smaller retailers and eateries. For this reason, it's our 2023 Editor's Choice Favourite Airline Credit Card.

The American Express Airpoints Platinum Card requires around $13,650 in spending to offset its $195 annual fee, compared to $20,700 for the Kiwibank card, making the AMEX card more cost-effective. And that's before adding up the value of lounge benefits and sign-up bonuses.

If you're Air NZ Gold (or want to achieve it), both Kiwibank and AMEX offer Status Point earning opportunities - Kiwibank is 20% more generous which is a useful benefit, but given it generates around 40% of the Airpoints Dollars per dollar spent, Status Points don't make Kiwibank a good deal.

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 About AMEX
Visit Kiwibank

Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum NZ Facts

Pros, Cons and Must-Know Facts of Using an AMEX Card

If you're thinking about switching from Kiwibank to AMEX, we've listed some pros, cons and facts to help you make an informed decision:

Pros:
  • More and more stores accept AMEX - our guide explains more. Even if you see a Visa & Mastercard logo on the door or at the checkout,  that doesn't mean AMEX isn't accepted
  • Paypal accepts AMEX, even if the retailer doesn't. This means you can link an AMEX card to PayPal, charge the purchase, and earn Airpoints Dollars.

Cons:
  • Acceptance - despite being widely accepted by big retailers, smaller retailers often don't accept American Express cards. Unfortunately, this means you'll need to ask, "do you take AMEX?" when shopping outside of major stores, and the prospect of doing so may become annoying.

Must-Know Facts:
  • ​Forex fees can add up - if you use an American Express card to pay for a non-NZD purchase, you'll pay 2.49% in foreign exchange fees. This adds up, and while it's in line with banks, it is well above the near-0% charged by the Wise debit card. Even if you get 1% or 1.70% back in rewards, you are still paying above-market FX fees when a challenger product like Wise minimises the FX costs.
  • AMEX supplementary cards are free. This means if you have a partner, both of you can use the card and earn Airpoints Dollars. For example, if you each spend $15,000 a year, then you'll earn an extra 214 Airpoints Dollars.
Visit AMEX

AMEX Cardholder Testimonials NZ

AMEX Testimonials

While you may be well-acquainted with your bank's operations, AMEX could be a new experience. To provide insight, we asked MoneyHub users in March 2023 to share their firsthand experiences with the AMEX Airpoints Platinum card. The testimonials below highlight various aspects, including the application process, online account management, customer support satisfaction, earning rewards, and merchant acceptance.
  1. "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".
  2. "I've been using an American Express card for over 40 years and have had a very positive experience. Their customer service is exceptional - helpful, friendly, and you get to speak directly with a human! They offer a wide range of incentives and an essential benefit: points never expire. They've been working hard to increase the number of outlets accepting Amex, but it's still necessary to have a Mastercard or Visa for complete coverage. My only issue is their travel insurance policy, which doesn't offer coverage for pre-existing conditions at an additional cost, unlike Mastercard".
  3. "The main downside is that not all places accept AMEX, although most well-known stores and restaurants do. I've occasionally encountered difficulties paying at restaurants with my AMEX card, having to resort to using my Visa debit. Due to this limitation, I feel the need to have an additional credit card, such as the TSB Platinum Mastercard, which offers great cashback rates and similar benefits to other platinum cards".
  4. "I've had an Amex card for over 10 years and switched to the American Express Airpoints Platinum Card a couple of years ago. I'm very happy with the card and rewards. I've noticed more places accepting Amex over time".
  5. "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".
Visit AMEX

Kiwibank Airpoints Platinum Visa vs AMEX Airpoints Platinum NZ Facts Conclusion

Our Conclusion

  • In conclusion, when comparing the Kiwibank Airpoints Platinum Visa and the American Express Airpoints Platinum cards, the latter emerges as a significantly more rewarding option for credit card users in New Zealand.
  • Despite similar annual fees, the AMEX Airpoints Platinum card offers a substantially higher earning rate for Airpoints Dollars, which leads to greater rewards for cardholders. Additionally, the AMEX card provides more benefits, such as lounge access, comprehensive international and domestic travel insurance and a generous signup bonus.
  • However, it is crucial to note that the AMEX card has some limitations, including lower acceptance rates at smaller retailers and a higher foreign exchange fee than the Kiwibank card. This may lead some users to rely on a backup credit card
  • Despite these drawbacks, the AMEX option still stands out as the more rewarding choice, especially for those who spend over $1,000 monthly on their credit card and pay off the balance each month.
  • The Kiwibank Airpoints Platinum Visa card has experienced significant cutbacks since late 2022, including decreased earning rates and discontinued Koru vouchers and a higher annual fee. As a result, the card's value has diminished considerably. This means that the AMEX card offers more benefits, requires a lower annual spend to offset the card fee, and has a higher earning rate, making it a superior choice overall.
  • Ultimately, the decision between the Kiwibank Airpoints Platinum Visa and the AMEX Airpoints Platinum cards will depend on individual spending habits, preferences, and requirements. However, for those who prioritize earning Airpoints Dollars and maximizing the value of their credit card, the American Express Airpoints Platinum card is the clear winner.

Christopher Walsh MoneyHub Founder and Head of Research outlines a value-based summary of the two cards:

Christopher Walsh MoneyHub Founder and Head of Research
Christopher Walsh
MoneyHub Founder and
Head of Research

"AMEX earns almost double the number of Airpoints Dollars per dollar spent compared to the Kiwibank Airpoints Platinum Visa, making it the strongest card despite some acceptance limitations in smaller retailers and eateries. For this reason, it's our 2023 Editor's Choice Favourite Airline Credit Card.

The American Express Airpoints Platinum Card requires around $13,650 in spending to offset its $195 annual fee, compared to $20,700 for the Kiwibank card, making the AMEX card more cost-effective. And that's before adding up the value of lounge benefits and sign-up bonuses.

If you're Air NZ Gold (or want to achieve it), both Kiwibank and AMEX offer Status Point earning opportunities - Kiwibank is 20% more generous which is a useful benefit, but given it generates around 40% of the Airpoints Dollars per dollar spent, Status Points don't make Kiwibank a good deal.

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 About AMEX
Visit Kiwibank

Related Guides
  • Best Airpoints Credit Cards
  • Airpoints Platinum Cards Comparison (ANZ vs AMEX vs Kiwibank vs Westpac)
  • ​Best Rewards Credit Cards
  • ANZ Airpoints Visa Platinum vs AMEX Airpoints Platinum
  • Westpac Airpoints Mastercard Platinum vs AMEX Airpoints Platinum
  • American Express Airpoints Platinum Card Review
  • Best Credit Cards
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  • Credit Cards
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  • Banking & Savings
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      • LifeDirect Mortgages Review
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  • KiwiSaver
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    • Best of New Zealand
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  • Travel Insurance
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      • Americas & Africa
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    • Specific Risk Cover
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    • Essential Information
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  • Mobile & SIM
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  • Power
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    • Power Companies
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  • Essential Money Tips
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      • 10 Hidden and Exorbitant Costs of Living in New Zealand
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    • Money & Relationships
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      • Don’t Let Supporting Your Adult Children Ruin Your Retirement
      • Lending Money to Friends & Family
      • Guarantors - Loans and Mortgages
    • Money & Family
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    • Valuable Insights
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      • Dental Costs
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    • Challenging Economic Conditions
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      • Layoffs, Redundancies and Restructures - Your Rights and Next Steps
      • Graduating Without a Job
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  • Financial Independence
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    • FIRE Tools
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      • SortMe Review
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    • Tax
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  • Life Essentials
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      • Free Samples
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    • Kids Eat Free
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      • HelloFresh Review
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    • Entertainment
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    • Consumer Rights
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    • Shopping Resources
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    • Living Essentials
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    • Home & Kitchen
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      • Best Computer Desks
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      • Blinds, Curtains and Drapes Auckland
    • Health & Personal Care
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  • Trade Services
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