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Flight Centre Credit Card
Flight Centre Credit Card

Flight Centre Credit Cards

Flight Centre Credit Card

Updated 7 April 2020

Points Earn Rate (per $1 spent)

0.01 points

Flight Centre

Rewards Program

Flight Centre Rewards

Bonus Points

N/A

0 points over 12 months spend

My monthly card spend

Pros and cons

  • Flight Centre Mastercard lets you make big ticket purchases on interest-free and/or payment holiday terms
  • No international transaction fees
  • Access to free worldwide Wi-Fi access with Boingo at one million Wi-Fi hotspots
  • Earn 1 Flight Centre Reward for every NZ$100 you spend on a Purchase, excluding spend with Flight Centre where you'll earn 2 Flight Centre Rewards for every NZ$100 spent
  • Add additional cardholders for no extra cost

  • High interest rate on purchases

Creditcard.co.nz review

Editor Review

Flight Centre Credit Card

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

The Flight Centre Mastercard

An awesome option for frequent travellers who regularly book their travel arrangements through Flight Centre, the Flight Centre Mastercard offers cardholders the opportunity to earn Flight Centre Rewards on everyday spending and Flight Centre purchases. Cardholders can also benefit from long term finance options, no international transaction fees, and free Wi-Fi access worldwide via Boingo.

What we love...

With the Flight Centre Mastercard, you could earn Flight Centre Rewards on your card spending, which can then be redeemed automatically when booking travel at Flight Centre. So, how does it work?

Earning Flight Centre Rewards: You will earn 1.00 Flight Centre Reward for every NZ$100 spent on eligible purchases, and 2.00 Flight Centre Rewards for every NZ$100 spent in-store or online at a New Zealand Flight Centre store.

Accumulating Flight Centre Rewards: As you use your card, the Flight Centre Rewards you earn will accumulate in your Flight Centre Mastercard account. You can check your total on your statement each month.

Redeeming Flight Centre Rewards: When you’re ready to book your next adventure at Flight Centre, you can redeem your points automatically. When redeemed, 1.00 Flight Centre Reward earned will equate to NZ$1.00, which can be used on any airline, hotel, tour, cruise, car hire or sightseeing deal offered at Flight Centre. Any unused Flight Centre Rewards will expire three years after the date they are earned.

Want to earn Flight Centre Rewards faster? You can add up to four additional cardholders to your account at no extra cost. With more cards in use every day, you should be able to accumulate more points, getting you where you want to go faster. It goes without saying that you are liable for additional cardholder spending – and just like your spending, you should be able to be pay it all off before it starts accruing interest.

As a card designed for frequent travellers, the Flight Centre Mastercard has a few nice travel-related features up its sleeve. These include:

You can travel now and pay later utilising long term finance options available when you pay with your card, helping you cover the cost of your trip.

You will pay no international transaction fees on transactions made in a foreign currency, helping you to save as you spend overseas.

You will have access to Boingo Wi-Fi for Mastercard Cardholders, helping you stay connected at more than one million Wi-Fi hotspots around the world, including New Zealand.

What’s not so great...

When comparing credit cards, it’s a good idea to check how much you will pay in fees and interest. Both the purchase rate and cash advance rate on this card is relatively high, so it’s best to clear your balance by the due date to avoid interest accruing.

In terms of fees, the annual fee is quite modest for a rewards card. However, the value it offers will depend on how much you get back in rewards. Also pay attention to the fees applied to Long Term Finance Purchases, as these should be calculated into your budget.

Why should you choose this card?

If you love travel – and tend to book your travel arrangements at Flight Centre – a travel rewards card such as the Flight Centre Mastercard could be a great option for you. This card makes it easy to earn rewards on both everyday purchases and travel spending, allowing you to stack up points to put towards your next trip.

The card’s annual fee is decent, especially for a rewards card, and as long as you channel sufficient spending through the card and pay it all off each month to enjoy up to 44 days interest free on your purchases, you could enjoy real value. The travel features mentioned above could add even more value, plus there are some other nice extras, such as compatibility with Apple Pay.

Overall Rating

A travel rewards card that earns Flight Centre Rewards, the Flight Centre Mastercard provides an easy way to earn points, while enjoying travel extras such as long term finance on travel purchases, no international transaction fees, and free worldwide Wi-Fi access via Boingo.

User reviews

Flight Centre Credit Card ( based on 1 Creditcard.co.nz user review )

52% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates

Purchase rate 22.95% p.a.

Cash advance rate 24.95% 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 $50 p.a.

Additional card holder fee $0 p.a.

Foreign transaction fee 0%

Minimum repayment

Cash advance fee $2

Late payment fee $15

Rewards and points

Rewards program

Rewards Program Flight Centre Rewards Flight Centre Rewards

Bonus points N/A

Annual points cap uncapped

Bonus points spend criteria N/A

Earning points with this card

Flight Centre pointsFlight Centre points 0.01 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

No international transaction fees

Free access to Boingo Wi-Fi at over 1 million hotspots

Travel now and pay later with long-term finance options available when you pay with your Flight Centre Mastercard

Overview

Flight Centre Credit Card

Key features

  • Flight Centre Mastercard lets you make big ticket purchases on interest-free and/or payment holiday terms
  • No international transaction fees
  • Access to free worldwide Wi-Fi access with Boingo at one million Wi-Fi hotspots
  • Earn 1 Flight Centre Reward for every NZ$100 you spend on a Purchase, excluding spend with Flight Centre where you'll earn 2 Flight Centre Rewards for every NZ$100 spent
  • Add additional cardholders for no extra cost

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.

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