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Air New Zealand Airpoints Standard Visa
1 review

Air New Zealand Airpoints Standard Visa

points over 12 months Calculate your savings icon

Earn rate per $1

0.008 points airpoints

Bonus points

N/A

Annual fee

$65 p.a.

Pros

Earn 1 Airpoints Dollar per $120 spent on eligible purchases, or 1 Airpoints Dollar per $100 spent on Air New Zealand products.

Access in advance up to 100 additional Airpoints Dollars

Get two complimentary Air New Zealand Lounge eVouchers each year, when you spend $20,000 or more. Please note changes effective from 1 August 2019

Cons

High interest rate

100% of customers who have rated this card would recommend it
  • Rates
    44%
  • Fees
    53%
  • Rewards
    57%
  • Customer Service
    56%
  • Value
    90%
Overall user rating 60%
1 reviews
Interest Rates
Purchase rate 20.95% 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 $65 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 0.008 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
Extras
Get two complimentary Air New Zealand Lounge eVouchers each year, when you spend $20,000 or more. Please note changes effective from 1 August 2019.
Access in advance up to 100 additional Airpoints Dollars

Air New Zealand Airpoints Standard Visa

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

The Air New Zealand Airpoints Standard Visa

The Air New Zealand Airpoints Standard Visa offers cardholders the opportunity to earn Airpoints Dollars on their credit card spending, alongside a number of extras such as two single-entry Air New Zealand Lounge passes each year after a $20,000 annual spend, access to monthly prize draws, and a balance transfer offer of 1.99% p.a. for the first six months.

What we love...

First and foremost, the Air New Zealand Airpoints Standard Visa Credit Card is an Airpoints-earning rewards card. That means you can use the card to earn Airpoints Dollars on your everyday spending and any Air New Zealand purchases, while keeping costs low with an affordable account-keeping fee.

As a cardholder, you will pay a pretty reasonable account fee every six months, and if you choose to add a joint accountholder or additional cardholder to the account, that will come at an additional cost. Is it worth it? That really depends on how much you use the card – and how many Airpoints Dollars you earn.

In terms of points-earning potential, the Air New Zealand Airpoints Standard Visa Credit Card offers an earn rate of one Airpoints Dollar for every:

  • $120 spent on eligible purchases, or
  • $100 spent on Air New Zealand products bought directly from Air New Zealand

What counts as eligible purchases? Most purchases are eligible, with the exclusion of 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.

It is nice to know that with this card, the Airpoints Dollars you earn will never expire as long as you are the primary cardholder and your card remains current. As for spending those points, 1 Airpoints Dollar is equal to $1 when purchasing any Air New Zealand flight, but you may also choose to use your Airpoints Dollars for rental cars or while shopping in the Airpoints Store.

In addition, if you spend at least $20,000 on your card each year, you will receive two single-entry Air New Zealand Lounge passes, making travel that little bit more luxurious. And, you can also benefit from membership to the Airpoints programme if you are not yet a member.

What’s not so great...

When we review rewards cards, we have to look at outgoing costs. To make the card worthwhile, you must get more value from rewards and extras than you pay out in fees and interest. While fees are unavoidable with the Air New Zealand Airpoints Standard Visa, interest should be kept to a minimum.

Like most rewards cards, the Air New Zealand Airpoints Standard Visa has a relatively high rate of interest on both purchases and cash advances. So, if you want to make the most of everything this card has to offer, it would be best to clear the balance by the due date each month to avoid interest accruing.

Why should you choose this card?

Placed between the Air New Zealand Airpoints Low Fee Visa and the Air New Zealand Airpoints Platinum Visa, the Air New Zealand Airpoints Standard Visa provides a middle of the road earn rate for a middle of the road account fee. To work out which option might be best for you, think about how much you’ll spend on the card and how many Airpoints Dollars you’ll earn.

It’s also worthwhile looking at the extras on offer. The Air New Zealand Airpoints Standard Visa offers up to 44 days interest free on purchases when you clear your balance by the due date each month. You can also buy additional Airpoints Dollars online for a fee with Airpoints Dollars Top-Up.

As a cardholder, you will have access to the Airpoints Dollars Advance. This works like an overdraft, providing access to 100 extra Airpoints Dollars in the short term if you don't have quite enough for a reward. On top of that, for each month you use the card, you will be entered into a monthly prize draw for bonus Airpoints Dollars.

What about that balance transfer offer? If you want to pay down existing credit card debt from a non-Kiwibank credit card, you could benefit from a balance transfer rate of 1.99% p.a. for six months. If any balance remains unpaid after that period, it will revert to the card’s purchase rate.

Overall Rating

Providing a decent earn rate for an affordable account fee, the Air New Zealand Airpoints Standard Visa offers the opportunity to earn Airpoints Dollars, with extras such as Air New Zealand Lounge access and monthly prize draws.

(showing the latest 10 Q&As)

Air New Zealand Airpoints Standard Visa

Key features

  • Earn 1 Airpoints Dollar per $120 spent on eligible purchases, or 1 Airpoints Dollar per $100 spent on Air New Zealand products.
  • Access in advance up to 100 additional Airpoints Dollars
  • Get two complimentary Air New Zealand Lounge eVouchers each year, when you spend $20,000 or more. Please note changes effective from 1 August 2019
  • Up to 44 interest free days on purchases.
  • Account fee: $32.50 every six months
  • 1.99% p.a. for six months on balances transferred from a non-Kiwibank credit card
  • 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 Standard Visa
Air New Zealand Airpoints Standard Visa

Air New Zealand Credit Cards

Air New Zealand Airpoints Standard Visa

Updated 24 September 2019

Points Earn Rate (per $1 spent)

0.008

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 $120 spent on eligible purchases, or 1 Airpoints Dollar per $100 spent on Air New Zealand products.
  • Access in advance up to 100 additional Airpoints Dollars
  • Get two complimentary Air New Zealand Lounge eVouchers each year, when you spend $20,000 or more. Please note changes effective from 1 August 2019

  • High interest rate

Creditcard.co.nz review

Editor Review

Air New Zealand Airpoints Standard 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 Standard Visa

The Air New Zealand Airpoints Standard Visa offers cardholders the opportunity to earn Airpoints Dollars on their credit card spending, alongside a number of extras such as two single-entry Air New Zealand Lounge passes each year after a $20,000 annual spend, access to monthly prize draws, and a balance transfer offer of 1.99% p.a. for the first six months.

What we love...

First and foremost, the Air New Zealand Airpoints Standard Visa Credit Card is an Airpoints-earning rewards card. That means you can use the card to earn Airpoints Dollars on your everyday spending and any Air New Zealand purchases, while keeping costs low with an affordable account-keeping fee.

As a cardholder, you will pay a pretty reasonable account fee every six months, and if you choose to add a joint accountholder or additional cardholder to the account, that will come at an additional cost. Is it worth it? That really depends on how much you use the card – and how many Airpoints Dollars you earn.

In terms of points-earning potential, the Air New Zealand Airpoints Standard Visa Credit Card offers an earn rate of one Airpoints Dollar for every:

  • $120 spent on eligible purchases, or
  • $100 spent on Air New Zealand products bought directly from Air New Zealand

What counts as eligible purchases? Most purchases are eligible, with the exclusion of 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.

It is nice to know that with this card, the Airpoints Dollars you earn will never expire as long as you are the primary cardholder and your card remains current. As for spending those points, 1 Airpoints Dollar is equal to $1 when purchasing any Air New Zealand flight, but you may also choose to use your Airpoints Dollars for rental cars or while shopping in the Airpoints Store.

In addition, if you spend at least $20,000 on your card each year, you will receive two single-entry Air New Zealand Lounge passes, making travel that little bit more luxurious. And, you can also benefit from membership to the Airpoints programme if you are not yet a member.

What’s not so great...

When we review rewards cards, we have to look at outgoing costs. To make the card worthwhile, you must get more value from rewards and extras than you pay out in fees and interest. While fees are unavoidable with the Air New Zealand Airpoints Standard Visa, interest should be kept to a minimum.

Like most rewards cards, the Air New Zealand Airpoints Standard Visa has a relatively high rate of interest on both purchases and cash advances. So, if you want to make the most of everything this card has to offer, it would be best to clear the balance by the due date each month to avoid interest accruing.

Why should you choose this card?

Placed between the Air New Zealand Airpoints Low Fee Visa and the Air New Zealand Airpoints Platinum Visa, the Air New Zealand Airpoints Standard Visa provides a middle of the road earn rate for a middle of the road account fee. To work out which option might be best for you, think about how much you’ll spend on the card and how many Airpoints Dollars you’ll earn.

It’s also worthwhile looking at the extras on offer. The Air New Zealand Airpoints Standard Visa offers up to 44 days interest free on purchases when you clear your balance by the due date each month. You can also buy additional Airpoints Dollars online for a fee with Airpoints Dollars Top-Up.

As a cardholder, you will have access to the Airpoints Dollars Advance. This works like an overdraft, providing access to 100 extra Airpoints Dollars in the short term if you don't have quite enough for a reward. On top of that, for each month you use the card, you will be entered into a monthly prize draw for bonus Airpoints Dollars.

What about that balance transfer offer? If you want to pay down existing credit card debt from a non-Kiwibank credit card, you could benefit from a balance transfer rate of 1.99% p.a. for six months. If any balance remains unpaid after that period, it will revert to the card’s purchase rate.

Overall Rating

Providing a decent earn rate for an affordable account fee, the Air New Zealand Airpoints Standard Visa offers the opportunity to earn Airpoints Dollars, with extras such as Air New Zealand Lounge access and monthly prize draws.

User reviews

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

60% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 20.95% 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 $65 p.a.

Additional card holder fee N/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 0.008 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

Extras

Get two complimentary Air New Zealand Lounge eVouchers each year, when you spend $20,000 or more. Please note changes effective from 1 August 2019.

Access in advance up to 100 additional Airpoints Dollars

Overview

Air New Zealand Airpoints Standard Visa

Key features

  • Earn 1 Airpoints Dollar per $120 spent on eligible purchases, or 1 Airpoints Dollar per $100 spent on Air New Zealand products.
  • Access in advance up to 100 additional Airpoints Dollars
  • Get two complimentary Air New Zealand Lounge eVouchers each year, when you spend $20,000 or more. Please note changes effective from 1 August 2019
  • Up to 44 interest free days on purchases.
  • Account fee: $32.50 every six months
  • 1.99% p.a. for six months on balances transferred from a non-Kiwibank credit card

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

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(showing the latest 10 Q&As)

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