Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card

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The Air New Zealand Airpoints Low Fee Visa Credit Card is an Airpoints rewards credit card with a low annual fee and a low purchase rate of 16.90% p.a. The Air New Zealand Airpoints Low Fee Visa Credit Card allows you to earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases, and as long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. It charges an annual fee of $50 and offers a balance transfer rate of 1.99% p.a. for 6 months.

An alternative to this credit card is the Amex Airpoints credit card which charges no annual fee and offers a better Airpoints earn rate of 1 Airpoints Dollar for every $100 spent on the card. You can compare all credit cards with airpoints on our Airpoints credit cards page.

Rewards Points Cash Equivalent

$100 spend earns you $0.50 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 equals $1 NZD when redeemed with Air New Zealand or through the Airpoints store and $200 spend earns you 1 Airpoints Dollar then $100 spend earns you (100/200) = 0.50 Airpoints or $0.50 cash-equivalent when redeemed with Air New Zealand or through the Airpoints store.

Key Features

Purchase Rate: 16.90% p.a.
Cash Advance Rate: 16.90% p.a.
Balance Transfer: 1.99% p.a. for 6 months
Annual Fee: $50 p.a.(charged $25 half-yearly)
Interest Free Days: 44 days
Minimum Repayment:
Card Reward Details:
Credit Limit:
Other Fees:

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

Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card to help you decide.

Pros

Low Interest Rate
1.99% Balance Transfer
Earn Airpoints

Cons

Not the best Airpoints earn rate
Other Airpoints credit cards offer much better earn rates.
Other cards offer 0% balance transfer rate
Limited Benefits
Annual fee - some Airpoints credit cards don't charge an annual fee

What we like about the Air New Zealand Airpoints Low Fee Visa Credit Card

Earning Airpoints Dollars

With the Air New Zealand Airpoints Low Fee Visa Credit Card, you can earn Airpoints Dollars on every purchase. This means that your everyday spending can help you accumulate points that can be redeemed for flights, upgrades, and other travel-related expenses. The more you use your card, the more Airpoints Dollars you can earn, making it a great option for frequent travellers.

Balance Transfer

The balance transfer rate of 1.99% p.a. for 6 months decent even if it is not the best in market.

Lowish interest rate

The interest rate is much lower than most rewards credit cards which is a bonus.

Drawbacks of the Air New Zealand Airpoints Low Fee Visa Credit Card

Limited Welcome Bonuses

One of the main drawbacks of the Air New Zealand Airpoints Low Fee Visa Credit Card is the lack of substantial welcome bonuses. Unlike other credit cards that offer generous sign-up rewards, this card does not provide significant initial incentives. This can be a disadvantage if you are looking to maximise your rewards right from the start.

Foreign Transaction Fees

Another downside is the presence of foreign transaction fees. When you use this card for purchases outside New Zealand, you will incur additional charges. This can add up quickly if you frequently travel abroad or make international purchases, making it less ideal for global use.

Airpoints Earn rate

The Air New Zealand Airpoints Low Fee Visa Credit Card does not offer the best Airpoints earn rate. Some card offer twice more Airpoints or more. per dollar spent.

Is the Air New Zealand Airpoints Low Fee Visa Credit Card Right for me?

Idea cardholder profile

This card might be suitable for existing ANZ customers who want to get an ANZ credit card that allows them to earn Airpoints. The low interest rate might also appeal to cardholders who might occassionally or regularly carry a debt on their card.

How to Apply for the Air New Zealand Airpoints Low Fee Visa Credit Card

Online Application Process

Applying for the Air New Zealand Airpoints Low Fee Visa Credit Card is straightforward and can be done online. Follow these steps to complete your application:

Click "Apply Now" on this page to visit the official Kiwibank website.
Click on the 'Apply Now' button on the credit card page to start your application.
Fill in the required personal and financial information.
Review your application to ensure all details are correct.
Submit your application.

Required Documentation

To complete your application, you will need to provide certain documents. Make sure you have the following ready:

Proof of identity (e.g., passport or driver's licence)
Proof of residency or work authorisation in New Zealand
Proof of income (e.g., recent payslips or bank statements)

Approval Timeline

After submitting your application, the approval process typically takes a few business days. You will be notified via email or phone about the status of your application. If approved, your new credit card will be mailed to you within 7-10 business days.

Frequently Asked Questions

What are the residency requirements for the Air New Zealand Airpoints Low Fee Visa Credit Card?

To apply for this credit card, you need to be a resident of New Zealand or have permission to work there.

How much income do I need to qualify for the card?

There's no specific income requirement, but you should have a stable income and a good credit score to increase your chances of approval.

What is the minimum age to apply for this credit card?

You must be at least 18 years old to apply for the Air New Zealand Airpoints Low Fee Visa Credit Card.

What benefits come with the Air New Zealand Airpoints Low Fee Visa Credit Card?

This card offers benefits like earning Airpoints Dollars, low annual fees, and travel insurance perks.

Are there any drawbacks to this credit card?

Some drawbacks include limited welcome bonuses, foreign transaction fees, and Airpoints Dollar expiry.

How do I apply for the Air New Zealand Airpoints Low Fee Visa Credit Card?

You can apply online by filling out the application form and providing the required documents. The approval process usually takes a few days.

Eligibility Requirements:

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

Income
Expenses
Debts
Assets
Savings
Investments

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 balance transfer? Compare ALL balance transfer credit cards on our balance transfer NZ 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.