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Kiwibank Air New Zealand Airpoints Standard Visa
1 review

Kiwibank 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
    59%
  • Rewards
    67%
  • Customer Service
    48%
  • Value
    62%
Overall user rating 56%
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 $0.90
Minimum repayment 5% or $10, whichever is greater
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

Kiwibank 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 Kiwibank Air New Zealand Airpoints Standard Credit Card

Allowing cardholders to earn Airpoints Dollars on both everyday spending and Air New Zealand purchases, the Air New Zealand Airpoints Standard Credit Card offers a decent earn rate with no points expiry. Features on offer include two complimentary Air New Zealand lounge passes each year when you spend $30,000 on the card, access to an Airpoints Dollars Advance, up to 44 days interest free on purchases, and 1.99% p.a. on balance transfers for six months.

What we love...

Kiwibank currently has three Air New Zealand branded credit cards within its range, each earning Airpoints Dollars and offering tiered extras on the side. As the ‘standard’ card, the Air New Zealand Airpoints Standard Credit Card sits comfortably in the middle, between the Low Fee card and the Platinum card.

With a slightly higher account fee than the Low Fee option, the Kiwibank Air New Zealand Airpoints Standard Credit Card provides a higher earn rate, and a few nice extras on the side. As a cardholder, you will earn:

  • 1 Airpoints Dollar for every $120 spent on eligible purchases, and
  • 1 Airpoints Dollar for every $100 spent on Air New Zealand products bought directly from Air New Zealand.

A nice feature on all Kiwibank’s Airpoints earning cards, as long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. That means you can take your time earning and accumulating points, until you have enough to get the reward you want – whether that’s a flight or upgrade, merchandise, gift card, or anything else on the expansive Airpoints rewards programme.

Need that reward now? You have access to up to 100 additional Airpoints Dollars thanks to this card’s Airpoints Dollars Advance feature. This works something like an overdraft, allowing you to spend a few extra Airpoints Dollars now, to then earn them back and make up the difference. Alternatively, you could buy more points using Airpoints Dollars top up.

Another handy feature on the Air New Zealand Airpoints Standard Credit Card offers cardholders the opportunity to earn Air New Zealand Lounge access with their card spending. How does it work? As long as you spend $30,000 on eligible purchases on your card each year, you will get two complimentary Air New Zealand Lounge eVouchers so you can travel in style. These passes are limited to two per year.

What’s not so great...

Before you apply for the Air New Zealand Airpoints Standard Credit Card, think about how you usually deal with your credit card payments. If you typically carry a balance – that is, if you don’t pay your balance in full each month – you may struggle to get much value from the rewards you earn on a card such as this.

Why? Like most rewards cards, this card has a high purchase rate and cash advance rate. So if you carry a balance, your interest charges will start to stack up. Instead, try to pay off your balance each month to avoid interest accruing, taking advantage of the card’s interest free feature, which offers up to 44 days interest free on purchases.

Why should you choose this card?

The Kiwibank Air New Zealand Airpoints Standard Credit Card offers a step up in points earning compared to its Low Fee brother. This may make it a worthy option for cardholders who spend a bit more on their card each month, making that higher account fee worth paying. Its extra features could also offer value to the right cardholder, providing access to the Air New Zealand Lounge when travelling, and the opportunity to use an Airpoints Dollars Advance when needed.

Another feature that may appeal to some cardholders is the card’s balance transfer offer. This allows new cardholders to benefit from 1.99% p.a. on balance transfers for six months. If you have credit card debt that you want to pay down, this offer could let you transfer that balance to pay a much lower rate of interest, potentially helping you pay off what you owe much faster.

Overall Rating

Kiwibank’s Air New Zealand Airpoints Standard Credit Card offers a decent earn rate with no points expiry, plus features that include airport lounge access, Airpoints Dollars Advance, up to 44 days interest free on purchases and 1.99% p.a. on balance transfers for six months.

(showing the latest 10 Q&As)

Kiwibank 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
Kiwibank Air New Zealand Airpoints Standard Visa
Kiwibank Air New Zealand Airpoints Standard Visa

Kiwibank Credit Cards

Kiwibank 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

Kiwibank 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 Kiwibank Air New Zealand Airpoints Standard Credit Card

Allowing cardholders to earn Airpoints Dollars on both everyday spending and Air New Zealand purchases, the Air New Zealand Airpoints Standard Credit Card offers a decent earn rate with no points expiry. Features on offer include two complimentary Air New Zealand lounge passes each year when you spend $30,000 on the card, access to an Airpoints Dollars Advance, up to 44 days interest free on purchases, and 1.99% p.a. on balance transfers for six months.

What we love...

Kiwibank currently has three Air New Zealand branded credit cards within its range, each earning Airpoints Dollars and offering tiered extras on the side. As the ‘standard’ card, the Air New Zealand Airpoints Standard Credit Card sits comfortably in the middle, between the Low Fee card and the Platinum card.

With a slightly higher account fee than the Low Fee option, the Kiwibank Air New Zealand Airpoints Standard Credit Card provides a higher earn rate, and a few nice extras on the side. As a cardholder, you will earn:

  • 1 Airpoints Dollar for every $120 spent on eligible purchases, and
  • 1 Airpoints Dollar for every $100 spent on Air New Zealand products bought directly from Air New Zealand.

A nice feature on all Kiwibank’s Airpoints earning cards, as long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. That means you can take your time earning and accumulating points, until you have enough to get the reward you want – whether that’s a flight or upgrade, merchandise, gift card, or anything else on the expansive Airpoints rewards programme.

Need that reward now? You have access to up to 100 additional Airpoints Dollars thanks to this card’s Airpoints Dollars Advance feature. This works something like an overdraft, allowing you to spend a few extra Airpoints Dollars now, to then earn them back and make up the difference. Alternatively, you could buy more points using Airpoints Dollars top up.

Another handy feature on the Air New Zealand Airpoints Standard Credit Card offers cardholders the opportunity to earn Air New Zealand Lounge access with their card spending. How does it work? As long as you spend $30,000 on eligible purchases on your card each year, you will get two complimentary Air New Zealand Lounge eVouchers so you can travel in style. These passes are limited to two per year.

What’s not so great...

Before you apply for the Air New Zealand Airpoints Standard Credit Card, think about how you usually deal with your credit card payments. If you typically carry a balance – that is, if you don’t pay your balance in full each month – you may struggle to get much value from the rewards you earn on a card such as this.

Why? Like most rewards cards, this card has a high purchase rate and cash advance rate. So if you carry a balance, your interest charges will start to stack up. Instead, try to pay off your balance each month to avoid interest accruing, taking advantage of the card’s interest free feature, which offers up to 44 days interest free on purchases.

Why should you choose this card?

The Kiwibank Air New Zealand Airpoints Standard Credit Card offers a step up in points earning compared to its Low Fee brother. This may make it a worthy option for cardholders who spend a bit more on their card each month, making that higher account fee worth paying. Its extra features could also offer value to the right cardholder, providing access to the Air New Zealand Lounge when travelling, and the opportunity to use an Airpoints Dollars Advance when needed.

Another feature that may appeal to some cardholders is the card’s balance transfer offer. This allows new cardholders to benefit from 1.99% p.a. on balance transfers for six months. If you have credit card debt that you want to pay down, this offer could let you transfer that balance to pay a much lower rate of interest, potentially helping you pay off what you owe much faster.

Overall Rating

Kiwibank’s Air New Zealand Airpoints Standard Credit Card offers a decent earn rate with no points expiry, plus features that include airport lounge access, Airpoints Dollars Advance, up to 44 days interest free on purchases and 1.99% p.a. on balance transfers for six months.

User reviews

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

56% 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 5% or $10, whichever is greater

Cash advance fee $0.90

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

Kiwibank 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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