ANZ Airpoints Visa Platinum Credit Card

Gold Award

The ANZ Airports Visa Platinum Credit Card is an Airpoints rewards credit card that offers 1 Airpoint Dollar for every $110 dollars you spend on your ANZ Airports Visa Platinum Credit Card. Other benefits of the ANZ Airports Visa Platinum Credit Card inlcude Complimentary Overseas Travel Insurance if you use your card to pay for at least half your pre-paid travel expenses, Koru membership fee discount of $145 plus your Koru joining fee is waived and Airpoints Advance of up to $200 Airpoints Dollars if you are running short on Airpoints required to make a purchase.

The ANZ Airports Visa Platinum Credit Card charnges a relatively high annual fee of $150 and a standard interest rate of 20.95% for both purchases and cash advance.

Compared to other Airpoints Credit Cards, the ANZ Airports Visa Platinum Credit Card offers a lower Airpoints earn rate than both the Amex Airpoints Platinum credit card and the Amex Airpoints credit card.

Rewards Points Cash Equivalent

$100 spend earns you $0.90 cash equivalent^.

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases reward points cannot be redeemed for cash directly. See below to find out how the estimate was calculated.

Points Cash Equivalence Calculation

If 1 Airpoints Dollar = $1 NZD and $110 spend earns you 1 Airpoints Dollar then $100 spend earns you (100/110) = 0.909 Airponts or $0.90 cash-equivalent.

Key Features

Purchase Rate: 20.95%
Cash Advance Rate: 20.95%
Balance Transfer: Unknown
Annual Fee: $150.00
Interest Free Days: 44 days
Minimum Repayment:
Card Reward Details: For every $110 dollars you spend you will earn 1 Airpoints Dollar
Credit Limit: $8,000 minimum credit limit
Other Fees:

IMPORTANT NOTE: please review the credit card details on the provider's website again before applying.

ANZ Airpoints Visa Platinum Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the ANZ Airpoints Visa Platinum Credit Card to help you decide.

Pros

Earn Airpoints rewards
Complimentary travel insurance
Airpoints Advance of $200
Koru joining fee waived
Koru membership fee discount
Visa Offers and Perks

Cons

Not the best Airpoints earn rate
High Annual Fee (might be worth it considering the benefits)

What we like about the ANZ Airpoints Visa Platinum

Airpoints Dollar Earning

With the ANZ Airpoints Visa Platinum, you earn Airpoints Dollar rewards for every spend on your card. This card has no points cap or expiry, making it a great option for frequent spenders. Additionally, you earn 50% bonus Status Points on top of the Status Points you earn on qualifying flights with Air New Zealand

Travel Insurance Coverage

Cardholders enjoy complimentary overseas travel insurance, providing peace of mind during your travels. This insurance covers a range of situations, including medical emergencies, trip cancellations, and lost luggage. It's a valuable benefit that can save you money and hassle when you're abroad.

Airport Advance

The ANZ Airpoints Visa Platinum offers Airpoints Advance of up to $200 Airpoints Dollars for when you are short on Airpoints to make a purchase.

Air NZ Koru discounts

The ANZ Airpoints Visa Platinum waives your Koru joining fees and offers a discount of $145 for your membership.

Drawbacks of the ANZ Airpoints Visa Platinum

Annual Fees

The ANZ Airpoints Visa Platinum card comes with an annual fee of $150, which is charged in two instalments of $75 every six months. This fee can be a significant drawback, especially if you do not utilise the card's benefits to their fullest.

Foreign Transaction Fees

When using this card for purchases in foreign currencies, you will incur a foreign transaction fee of 2.5%. This can add up quickly if you frequently travel or shop online from international retailers.

Lower Earning Rates

The Amex Airpoints Platinum credit card offers better Airpoints earning rate and seems to offer more benefits.

Is the ANZ Airpoints Visa Platinum Right for You?

This card is tailored for those who travel often. With perks like travel insurance coverage and Airpoints, frequent flyers can maximise the card's benefits. If you rarely travel, you can still earn Airpoints by using your credit card for shopping and the Airpoints store allows you to redeem your Airpoints at other partner stores so your Airpoints do not have to be spent on travel related goodies.

It's essential to compare other credit cards before making a decision. Look at the earning rates, fees, and additional perks of other travel rewards cards. This will help you determine if the ANZ Airpoints Visa Platinum is the best fit for your needs.

Frequently Asked Questions

What is the annual fee for the ANZ Airpoints Visa Platinum?

The annual fee for the ANZ Airpoints Visa Platinum is $150, with $75 charged every six months.

How do I earn Airpoints Dollars with the ANZ Airpoints Visa Platinum card?

You earn 1 Airpoints Dollar for every $110 spent on eligible purchases.

Does the ANZ Airpoints Visa Platinum include travel insurance?

Yes, the card offers complimentary overseas travel insurance.

Are there any foreign transaction fees with the ANZ Airpoints Visa Platinum?

Yes, there is a foreign transaction fee of 2.5%.

Can I access airport lounges with the ANZ Airpoints Visa Platinum?

Yes, the card provides access to certain airport lounges.

Is there a minimum income requirement to apply for the ANZ Airpoints Visa Platinum?

Yes, you need to meet certain income requirements to be eligible for the card.

Eligibility Requirements:

Your eligibility for this card would depend on a few criteria listed below. When you apply for the card, ANZ would ask you a few questions about these criteria to determine your eligibility.

Income
Expenses
Debts
Assets
Savings
Investments

**You have to be a New Zealand permanent resident, and have a good credit history to apply for a ANZ Credit Card.

Documents:

In general the following documents are usually required for credit card applications.

Proof of Income

One of the following:

your most recent payslip or salary notice
copies of bank statements that show your pay or salary deposits
a letter from your employer confirming your income
an Inland Revenue Department (IRD) “summary of earnings” notice.

If you’re self-employed, you must supply:

signed financial statements for the past two years
a signed personal Statement of Financial Position
your personal tax return.

Proof of Identity:

A copy of one or two items from List 1. If you provide only one item from List 1, you must also provide one item from List 2.

List 1:

Current passport
New Zealand drivers licence
18+ card
Photo Credit Card

List 2:

Most recent bank statement
Debit card
Credit card
Community services card
Club or society card.

Are you interested in a rewards credit card? Compare ALL Rewards credit cards on our rewards credit cards page.

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What is the best credit card in New Zealand?

We've been asked this question a lot so we have compiled our pick of the best credit card in NZ but keep in mind that the best credit card for you depends on your personal circumstance and needs. To find the best credit card for you, we recommend that you compare all credit cards in NZ on our website or narrow down your search by popular credit card types as shown below. Use the top menu of the page to select more credit card types.