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Air New Zealand Airpoints Low Fee Visa
1 review

Air New Zealand Airpoints Low Fee Visa

points over 12 months Calculate your savings icon

Earn rate per $1

0.006 points airpoints

Bonus points

N/A

Annual fee

$25 p.a.

Pros

Earn 1 Airpoints Dollar per $160 spent on eligible purchases, or 1 Airpoints Dollar per $140 spent on Air New Zealand products.

Account fee of just $12.50 every six months and $5 for joint or additional cardholders.

Cons

No lounge access

No Airpoints Dollars Advance

100% of customers who have rated this card would recommend it
  • Rates
    78%
  • Fees
    51%
  • Rewards
    42%
  • Customer Service
    41%
  • Value
    63%
Overall user rating 55%
1 reviews
Interest Rates
Purchase rate 16.90% p.a.
Cash advance rate 22.95% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Balance transfer rate 1.99% p.a. for 6 months
Balance transfer fee No fee
Balance transfer revert rate 22.95% p.a.
Balance transfer from personal loan N/A
Credit limits
Minimum credit limit $1000
Maximum credit limit N/A
Fees & repayments
Annual fee $25 p.a.
Additional cardholder fee $10 p.a.
Cash advance fee N/A
Late payment fee $5
Credit card type Visa
Rewards program
Rewards program airpoints airpoints
Annual points cap uncapped
Bonus points spend criteria N/A
Earning points with this card
airpoints points 0.006 points per $1 spent
Overseas earn rate same as standard earn rate
Points cap per month N/A
Complimentary insurance
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No

Air New Zealand Airpoints Low Fee Visa

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.co.nz.

The Air New Zealand Airpoints Low Fee Visa

Issued by Kiwibank, the Air New Zealand Airpoints Low Fee Visa offers an easy way to earn Airpoints Dollars while paying a low account-keeping fee. Cardholders pay a low account fee every six months, providing them the opportunity to earn Airpoints Dollars on everyday purchases and Air New Zealand spending, while also benefiting from extras such as monthly prize draws and a balance transfer rate of 1.99% p.a. for six months.

What we love...

As a low fee card, obviously one of the best things about the Air New Zealand Airpoints Low Fee Visa is its low fee. As a cardholder, you will pay a low account fee every six months, plus a nominal amount every six months if you add a joint cardholder or additional cardholder to the account. Considering this is a rewards card, this low fee is pretty sweet indeed.

Why? When it comes to rewards cards, you always want to get more back in rewards value than you pay out in account-keeping fees. Otherwise there’s not much point earning rewards. So, if you pay less in account-keeping fees, it can be easier to earn more in rewards – but that will really depend on how much you use the card and how much you spend on it.

In terms of interest, the Air New Zealand Airpoints Low Fee Visa runs in the middle of the road. Its purchase rate is neither low nor particularly high. However, it’s worth pointing out that if you plan on carrying a balance on this card, it will likely negate any rewards value you gain. To make the most of any rewards card, it’s best to clear the balance before it starts accruing interest.

Back to those Airpoints Dollars. As a cardholder, your Airpoints Dollars will never expire as long as you’re the primary cardholder and your card remains current. As for points earning, you’ll earn 1 Airpoints Dollar for every:

  • $160 spent on eligible purchases, or
  • $140 spent on Air New Zealand products bought directly from Air New Zealand

In case you were wondering, eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.

When redeeming your earned points, 1 Airpoints Dollar is equal to $1 when purchasing any Air New Zealand flight. Alternatively, you may also use your Airpoints Dollars for rental cars or to purchase items in the Airpoints Store. And as another nice bonus, if you aren’t yet an Airpoints member, you will receive membership when your card is approved.

What’s not so great...

As we’ve already discussed the Air New Zealand Airpoints Low Fee Visa’s purchase rate, we’ll just mention its cash advance rate. Like many rewards cards, this card has a relatively high cash advance rate, making it a good idea to avoid cash advances whenever possible.

Why should you choose this card?

If you’re looking for a low cost rewards card that allows you to earn Airpoints Dollars on your everyday spending, the Air New Zealand Airpoints Low Fee Visa could be the card for you. For a low account-keeping fee, you can earn Airpoints Dollars on your day-to-day purchases and Air New Zealand spending, plus you get some nice added extras.

Paying off your balance in full each month by the due date will give you up to 44 days interest free on purchases. As a cardholder, you will also be placed in a monthly draw for bonus Airpoints Dollars each month you use your card. In addition, you may choose to buy additional Airpoints Dollars online for a fee with Airpoints Dollars Top-Up.

And that balance transfer offer? If you have existing credit card debt that you want to pay off, you can benefit from a balance transfer rate of 1.99% p.a. for the first six months on any transferred balance from a non-Kiwibank credit card. Any transferred amount that remains at the end of the intro period will revert to the card’s purchase rate.

Overall Rating

A worthy choice for anyone looking to keep costs low while earning Airpoints Dollars, the Air New Zealand Airpoints Low Fee Visa offers some nice extras with a nice low fee.

(showing the latest 10 Q&As)

Air New Zealand Airpoints Low Fee Visa

Key features

  • Earn 1 Airpoints Dollar per $160 spent on eligible purchases, or 1 Airpoints Dollar per $140 spent on Air New Zealand products.
  • Up to 44 interest free days on purchases.
  • Account fee of just $12.50 every six months and $5 for joint or additional cardholders.
  • Be over 18 years old
  • Good credit and not applied for multiple credit cards recently
  • Permanent Resident or New Zealand Citizen
  • You have your personal details ready to complete the online application
Air New Zealand Airpoints Low Fee Visa
Air New Zealand Airpoints Low Fee Visa

Air New Zealand Credit Cards

Air New Zealand Airpoints Low Fee Visa

Updated 24 September 2019

Points Earn Rate (per $1 spent)

0.006

points

airpoints

Rewards Program

airpoints

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Earn 1 Airpoints Dollar per $160 spent on eligible purchases, or 1 Airpoints Dollar per $140 spent on Air New Zealand products.
  • Account fee of just $12.50 every six months and $5 for joint or additional cardholders.

  • No lounge access
  • No Airpoints Dollars Advance

Creditcard.co.nz review

Editor Review

Air New Zealand Airpoints Low Fee Visa

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.co.nz. about this card.

The Air New Zealand Airpoints Low Fee Visa

Issued by Kiwibank, the Air New Zealand Airpoints Low Fee Visa offers an easy way to earn Airpoints Dollars while paying a low account-keeping fee. Cardholders pay a low account fee every six months, providing them the opportunity to earn Airpoints Dollars on everyday purchases and Air New Zealand spending, while also benefiting from extras such as monthly prize draws and a balance transfer rate of 1.99% p.a. for six months.

What we love...

As a low fee card, obviously one of the best things about the Air New Zealand Airpoints Low Fee Visa is its low fee. As a cardholder, you will pay a low account fee every six months, plus a nominal amount every six months if you add a joint cardholder or additional cardholder to the account. Considering this is a rewards card, this low fee is pretty sweet indeed.

Why? When it comes to rewards cards, you always want to get more back in rewards value than you pay out in account-keeping fees. Otherwise there’s not much point earning rewards. So, if you pay less in account-keeping fees, it can be easier to earn more in rewards – but that will really depend on how much you use the card and how much you spend on it.

In terms of interest, the Air New Zealand Airpoints Low Fee Visa runs in the middle of the road. Its purchase rate is neither low nor particularly high. However, it’s worth pointing out that if you plan on carrying a balance on this card, it will likely negate any rewards value you gain. To make the most of any rewards card, it’s best to clear the balance before it starts accruing interest.

Back to those Airpoints Dollars. As a cardholder, your Airpoints Dollars will never expire as long as you’re the primary cardholder and your card remains current. As for points earning, you’ll earn 1 Airpoints Dollar for every:

  • $160 spent on eligible purchases, or
  • $140 spent on Air New Zealand products bought directly from Air New Zealand

In case you were wondering, eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.

When redeeming your earned points, 1 Airpoints Dollar is equal to $1 when purchasing any Air New Zealand flight. Alternatively, you may also use your Airpoints Dollars for rental cars or to purchase items in the Airpoints Store. And as another nice bonus, if you aren’t yet an Airpoints member, you will receive membership when your card is approved.

What’s not so great...

As we’ve already discussed the Air New Zealand Airpoints Low Fee Visa’s purchase rate, we’ll just mention its cash advance rate. Like many rewards cards, this card has a relatively high cash advance rate, making it a good idea to avoid cash advances whenever possible.

Why should you choose this card?

If you’re looking for a low cost rewards card that allows you to earn Airpoints Dollars on your everyday spending, the Air New Zealand Airpoints Low Fee Visa could be the card for you. For a low account-keeping fee, you can earn Airpoints Dollars on your day-to-day purchases and Air New Zealand spending, plus you get some nice added extras.

Paying off your balance in full each month by the due date will give you up to 44 days interest free on purchases. As a cardholder, you will also be placed in a monthly draw for bonus Airpoints Dollars each month you use your card. In addition, you may choose to buy additional Airpoints Dollars online for a fee with Airpoints Dollars Top-Up.

And that balance transfer offer? If you have existing credit card debt that you want to pay off, you can benefit from a balance transfer rate of 1.99% p.a. for the first six months on any transferred balance from a non-Kiwibank credit card. Any transferred amount that remains at the end of the intro period will revert to the card’s purchase rate.

Overall Rating

A worthy choice for anyone looking to keep costs low while earning Airpoints Dollars, the Air New Zealand Airpoints Low Fee Visa offers some nice extras with a nice low fee.

User reviews

Air New Zealand Airpoints Low Fee Visa ( based on 1 Creditcard.co.nz user review )

55% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 16.90% p.a.

Cash advance rate 22.95% p.a.

Interest free on purchases up to 44 days

Balance transfer

Balance transfer rate 1.99% p.a. for 6 months

Balance transfer revert rate 22.95% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee.

Balance transfer limit N/A

Banks you can't balance transfer from N/A

Credit limits

Minimum credit limt $1000

Maximum credit limit N/A

Fees & repayments

Annual fee $25 p.a.

Additional card holder fee $10 p.a.

Foreign transaction fee N/A

Minimum repayment

Cash advance fee N/A

Late payment fee $5

Rewards and points

Rewards program

Rewards Program airpoints airpoints

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

airpoints pointsairpoints points 0.006 points per $1 spent

Points cap per month N/A

Overseas earn rateOverseas earn rate same as standard earn rate

Additional features

Complimentary insurance

Overseas travel insurance No

Flight inconvenience insurance No

Transport accident cover No

Smartphone screen insurance No

Purchase protection insurance No

Extended warranty insurance No

Rental vehicle excess cover No

Overview

Air New Zealand Airpoints Low Fee Visa

Key features

  • Earn 1 Airpoints Dollar per $160 spent on eligible purchases, or 1 Airpoints Dollar per $140 spent on Air New Zealand products.
  • Up to 44 interest free days on purchases.
  • Account fee of just $12.50 every six months and $5 for joint or additional cardholders.

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or New Zealand Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

(showing the latest 10 Q&As)

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