American Express
Earn 1 Airpoints Dollar per $70 spent, enjoy 300 bonus Airpoints, $195 annual fee, travel insurance, and four airport lounge visits every year.
The American Express Airpoints Platinum Card is a market leader in New Zealand for Airpoints rewards. With an earning rate of 1 Airpoints Dollar for every $70 spent, it surpasses all bank-branded credit cards. The annual fee is $195, but for frequent or even moderate spenders, the reward opportunities and travel perks can easily offset this cost.
The card provides a 300 Airpoints Dollars bonus for new members who spend $1,500 in the first 3 months. Benefits include four airport lounge passes each year and complimentary comprehensive travel insurance when you use your card to pay for travel.
How to apply: Step by step
- Visit the provider’s online application page.
- Fill in your personal and financial details honestly.
- Provide proof of income and identification as requested.
- Submit the application and await an approval decision.
- Once approved, activate your card and start using for eligible purchases.
Key Pros of the Card
This offer provides the best Airpoints earning rate in New Zealand, so cardholders earn rewards faster for everyday spend. The 300 Airpoints Dollars bonus is generous and adds immediate value.
You also receive travel perks that include international and domestic travel insurance and lounge access. These extra features can save you money and provide real peace of mind while travelling.
Key Cons of the Card
The annual fee of $195 is higher than most bank cards, so it pays off only if you use your card regularly. Not all retailers accept American Express, although acceptance has grown dramatically in recent years.
The interest rate is 22.95% p.a., so carrying a balance is expensive. Pay off your card in full each month to get the full benefit of the rewards.
Verdict
For Kiwis wanting to maximise Airpoints, the American Express Airpoints Platinum Card is a compelling option. High earn rates, generous bonuses, and travel perks make it a stand-out. Frequent travellers and moderate spenders should strongly consider this card, but be mindful of paying your balance in full and checking acceptance at your favourite shops.
