Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

ANZ Airpoints Visa Credit Card
1 review

ANZ Airpoints Visa Credit Card

points over 12 months Calculate your savings icon

Earn rate per $1

0.008 points airpoints

Bonus points

N/A

Annual fee

$0 first year
then $65

Pros

Earn 1 Airpoints Dollar for every $120 you spend on eligible purchases

$0 annual fee the first year. $65 p.a. annual fee thereafter

Cons

High purchase rate

100% of customers who have rated this card would recommend it
  • Rates
    41%
  • Fees
    57%
  • Rewards
    61%
  • Customer Service
    50%
  • Value
    65%
Overall user rating 55%
1 reviews
Interest Rates
Purchase rate 20.95% p.a.
Cash advance rate 20.95% p.a.
Interest free on purchases up to 44 days
Balance Transfer
Credit limits
Minimum credit limit $N/A
Maximum credit limit N/A
Fees & repayments
Annual fee $65 p.a.
Annual fee first year $0
Additional cardholder fee $10 p.a.
Cash advance fee $0
Foreign transaction fee 2.5%
Late payment fee $12
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
Eligible with Apple Pay & Google Pay

ANZ Airpoints Visa Credit Card

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

The ANZ Airpoints Visa

Making it super easy to earn points on Air New Zealand’s Airpoints programme, the ANZ Airpoints Visa allows cardholders to earn Airpoints Dollars on their everyday spending. Keeping it fairly simple elsewhere, this card is purely a rewards card that works to keep costs down with a $0 annual fee for the first year, and an affordable account fee paid every six months after that.

What we love...

Like the sound of earning rewards for free? That’s essentially what the ANZ Airpoints Visa is offering with its current $0 annual fee introductory offer, waiving the annual fee for new cardholders for the first year. That means as long as you clear your balance to avoid interest accruing, the points you earn on your card spending in the first year are basically free.

After that first year, you will pay the card’s account fee every six months. Considering this is a rewards card, the fee is actually pretty reasonable. But of course, it is only reasonable if the card provides you with value. As a rewards card, that means getting back more in rewards value than you pay out in fees.

To work out whether the ANZ Airpoints Visa offers you value, consider how much you will spend on the card, then work out what that spend equates to in Airpoints Dollars. The earn rate on the ANZ Airpoints Visa is $120 = 1 Airpoints Dollar, so you will earn 1 Airpoints Dollar for every $120 you spend on eligible purchases.

As long as your rewards total is more than the annual fee, it could well be worth having it in your wallet. If you think you may spend more on the card and you want a higher earn rate, you could consider the ANZ Airpoints Visa Platinum as an alternative option. This card also offers more in terms of extras, but does come with a higher price tag.

It’s nice to know that there is no limit on the number of Airpoints Dollars you can earn, and your Airpoints Dollars will never expire as long as your card remains current. In terms of spending your Airpoints Dollars, you could redeem them for flights or upgrades, or purchase items within the Airpoints Store.

If you don’t have enough points for the reward you want, you can take advantage of an advance of up to 50 Airpoints Dollars. This Airpoints Dollars Advance is like an overdraft feature, advancing you a limited number of Dollars to cover the reward you want, which you then pay back by earning more points on your future credit card spending.

What’s not so great...

As with most rewards cards, the ANZ Airpoints Visa has a substantial purchase rate. While this will make no difference to cardholders who clear their balance before interest starts accruing, those who carry a balance will likely negate the value of any rewards they earn with the interest they pay out on that balance.

Why should you choose this card?

If you’re interested in earning rewards on your everyday spending – and you don’t want to pay a fortune in annual fees – the ANZ Airpoints Visa should definitely be on the shortlist. Obviously, as it earns Airpoints Dollars, it would typically work best for cardholders who tend to travel on Air New Zealand or its partner airlines.

While the card may be fairly basic, cardholders still have access to security features such as ANZ’s fraud monitoring and Visa Zero Liability, as well as tech compatibility with Apple Pay and Google Pay. With ANZ as a provider, cardholders have access to their account in branch, over the phone, via ANZ Internet Banking, ANZ goMoney and at ATMs.

Overall Rating

Offering a simple way to earn Airpoints Dollars, the ANZ Airpoints Visa offers a decent earn rate, while helping to save money with a $0 annual fee in the first year.

(showing the latest 10 Q&As)

ANZ Airpoints Visa Credit Card

Key features

  • Earn 1 Airpoints Dollar for every $120 you spend on eligible purchases
  • Your Airpoints Dollars will never expire while you have an ANZ Airpoints Visa account (and you are the nominated earner).
  • $0 annual fee the first year. $65 p.a. annual fee thereafter, charged $32.50 half-yearly
  • Redeem your Airpoints Dollars for Air New Zealand and Star Alliance flights
  • 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
ANZ Airpoints Visa Credit Card
ANZ Airpoints Visa Credit Card

ANZ Credit Cards

ANZ Airpoints Visa Credit Card

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 for every $120 you spend on eligible purchases
  • $0 annual fee the first year. $65 p.a. annual fee thereafter

  • High purchase rate

Creditcard.co.nz review

Editor Review

ANZ Airpoints Visa Credit Card

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

The ANZ Airpoints Visa

Making it super easy to earn points on Air New Zealand’s Airpoints programme, the ANZ Airpoints Visa allows cardholders to earn Airpoints Dollars on their everyday spending. Keeping it fairly simple elsewhere, this card is purely a rewards card that works to keep costs down with a $0 annual fee for the first year, and an affordable account fee paid every six months after that.

What we love...

Like the sound of earning rewards for free? That’s essentially what the ANZ Airpoints Visa is offering with its current $0 annual fee introductory offer, waiving the annual fee for new cardholders for the first year. That means as long as you clear your balance to avoid interest accruing, the points you earn on your card spending in the first year are basically free.

After that first year, you will pay the card’s account fee every six months. Considering this is a rewards card, the fee is actually pretty reasonable. But of course, it is only reasonable if the card provides you with value. As a rewards card, that means getting back more in rewards value than you pay out in fees.

To work out whether the ANZ Airpoints Visa offers you value, consider how much you will spend on the card, then work out what that spend equates to in Airpoints Dollars. The earn rate on the ANZ Airpoints Visa is $120 = 1 Airpoints Dollar, so you will earn 1 Airpoints Dollar for every $120 you spend on eligible purchases.

As long as your rewards total is more than the annual fee, it could well be worth having it in your wallet. If you think you may spend more on the card and you want a higher earn rate, you could consider the ANZ Airpoints Visa Platinum as an alternative option. This card also offers more in terms of extras, but does come with a higher price tag.

It’s nice to know that there is no limit on the number of Airpoints Dollars you can earn, and your Airpoints Dollars will never expire as long as your card remains current. In terms of spending your Airpoints Dollars, you could redeem them for flights or upgrades, or purchase items within the Airpoints Store.

If you don’t have enough points for the reward you want, you can take advantage of an advance of up to 50 Airpoints Dollars. This Airpoints Dollars Advance is like an overdraft feature, advancing you a limited number of Dollars to cover the reward you want, which you then pay back by earning more points on your future credit card spending.

What’s not so great...

As with most rewards cards, the ANZ Airpoints Visa has a substantial purchase rate. While this will make no difference to cardholders who clear their balance before interest starts accruing, those who carry a balance will likely negate the value of any rewards they earn with the interest they pay out on that balance.

Why should you choose this card?

If you’re interested in earning rewards on your everyday spending – and you don’t want to pay a fortune in annual fees – the ANZ Airpoints Visa should definitely be on the shortlist. Obviously, as it earns Airpoints Dollars, it would typically work best for cardholders who tend to travel on Air New Zealand or its partner airlines.

While the card may be fairly basic, cardholders still have access to security features such as ANZ’s fraud monitoring and Visa Zero Liability, as well as tech compatibility with Apple Pay and Google Pay. With ANZ as a provider, cardholders have access to their account in branch, over the phone, via ANZ Internet Banking, ANZ goMoney and at ATMs.

Overall Rating

Offering a simple way to earn Airpoints Dollars, the ANZ Airpoints Visa offers a decent earn rate, while helping to save money with a $0 annual fee in the first year.

User reviews

ANZ Airpoints Visa Credit Card ( 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 20.95% p.a.

Cash advance rate 20.95% p.a.

Interest free on purchases up to 44 days

Credit limits

Minimum credit limt $N/A

Maximum credit limit N/A

Fees & repayments

Annual fee $65 p.a.

Additional card holder fee $10 p.a.

Foreign transaction fee 2.5%

Minimum repayment

Annual fee the first year $0

Cash advance fee $0

Late payment fee $12

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

Eligible with Apple Pay & Google Pay

Overview

ANZ Airpoints Visa Credit Card

Key features

  • Earn 1 Airpoints Dollar for every $120 you spend on eligible purchases
  • Your Airpoints Dollars will never expire while you have an ANZ Airpoints Visa account (and you are the nominated earner).
  • $0 annual fee the first year. $65 p.a. annual fee thereafter, charged $32.50 half-yearly
  • Redeem your Airpoints Dollars for Air New Zealand and Star Alliance flights

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)

Similar Credit Cards

1 review
More info
points earned over 12 months
0.017 points
16.77% Complete (success)
Airpoints Dollars
200
points
16.77% Complete (success)
Airpoints Dollars
$195
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
0.01 points
16.77% Complete (success)
Airpoints Dollars
50
points
16.77% Complete (success)
Airpoints Dollars
$0
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon

1 review
More info
points earned over 12 months
1 point
16.77% Complete (success)
Amex Membership Rewards
20,000
points
16.77% Complete (success)
Amex Membership Rewards
$149
p.a.
16.77% Complete (success)
Your points
$120,000 saved over 12 months
Calculate your savings icon
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.