ANZ Airpoints Visa Platinum review – Why Kiwis rate it the best NZ travel credit card

Why Kiwis choose the ANZ Airpoints Visa Platinum

The ANZ Airpoints Visa Platinum is a top NZ travel credit card for everyday Kiwi spenders. It earns 1 Airpoints Dollar for every $110 spent, making routine purchases add up to flights and upgrades over time.

Kiwis value simplicity and solid travel perks — Airpoints Advance, Visa Concierge and travel insurance sit high on the wish list. ANZ bundles those into one package, so many see it as the go-to ANZ Airpoints Visa Platinum option.

Rewards, Airpoints and travel perks

Airpoints Dollars are straightforward to use and stack well when you pair the ANZ Airpoints Visa Platinum with everyday spending. The card’s Airpoints Advance feature gives up to $200 Airpoints Dollars up front, handy for last-minute bookings.

Travel perks include complimentary overseas travel insurance (when you pay at least half of the trip on the card), plus access to Visa Offers and a concierge service. Together these perks make the ANZ Airpoints Visa Platinum feel like a proper NZ travel companion.

Costs, fees and real-world value

There’s a $150 annual fee and interest rates sit around 20.95% for purchases and cash advances; so it’s best used by those who pay the balance off in full or take advantage of the interest-free days. Kiwis who travel often typically find the value outweighs the cost.

Look at the fine print: minimum credit limit usually starts at $8,000 and you can get up to 44 interest-free days. If you use the card for regular bills, groceries and fuel, the Airpoints Dollars you earn can offset the annual fee pretty quickly.

Who should apply and how to get the most out of it

Ideal applicants are frequent flyers, families who travel annually, or anyone in New Zealand who wants a reliable NZ travel credit card that converts everyday spend into flights. You’ll need a steady income and good credit to qualify, but ANZ’s eligibility criteria are standard for premium cards.

Maximise returns by loading regular bills and groceries onto the card, using Airpoints Advance for urgent bookings, and pairing the card with Air NZ promotions or a Koru membership discount. Paying in full each month keeps interest costs down and boosts net reward value.

Practical tips and final verdict

Before applying, run the numbers: estimate yearly spend, divide by $110 to forecast Airpoints Dollars, then compare that to the $150 annual fee. Factor in travel insurance value and Airpoints Advance utility for a realistic picture.

Overall, the ANZ Airpoints Visa Platinum is a strong NZ travel credit card choice for Kiwis who want dependable rewards and travel protections. If you fly with Air NZ or prioritise travel benefits, this card often comes out on top — just use it smartly and pay on time to maximise value.