Maximise Airpoints and Koru Perks with Kiwibank Air New Zealand Airpoints Platinum Visa NZ Credit Card

Overview: why Kiwibank Air New Zealand Airpoints Platinum Visa stands out

The Kiwibank Air New Zealand Airpoints Platinum Visa is built for Kiwis who want travel rewards without fuss. With solid earn rates on everyday spends and extra returns when you fly Air New Zealand, this credit card turns regular shopping into Airpoints Dollars and Status Points that get you closer to upgrades and free flights.

For travellers based in Auckland, Wellington or anywhere across New Zealand, the card’s practical perks like travel insurance, Visa Concierge and partner discounts make it easy to justify the account fee if you spend smart. It’s a top pick among NZ credit cards for those who want genuine travel value.

Earning Airpoints Dollars and Status Points

Cardholders earn 1 Airpoints Dollar for every $75 spent on eligible purchases and a boosted rate of 1 Airpoints Dollar for every $65 spent directly with Air New Zealand. The Kiwibank Air New Zealand Airpoints Platinum Visa also offers one of the best Status Point earn rates in market, helping frequent flyers climb the Koru membership ladder quicker.

Airpoints Dollars don’t expire while you’re the primary cardholder, and you can use them on flights, upgrades, the Airpoints Store and partner retailers like Mitre 10. The card also lets you use the Airpoints Dollars Advance feature to bridge small shortfalls of up to 200 Airpoints Dollars.

Travel perks, Koru membership and lounge access

One of the most appealing benefits is the Koru membership support: enjoy no joining fee and a discount off the annual Koru fee, plus exclusive Koru offers. Spend-based lounge passes are also on the table — earn two Air New Zealand Lounge passes for every $30,000 you spend, up to four passes per year, which is handy for those regular domestic or trans-Tasman trips.

The card includes complimentary overseas travel insurance for you and family travelling with you, plus Visa Concierge to help with travel bookings, restaurant reservations and event tickets. These perks make airport time and trip planning a lot smoother for busy Kiwi travellers.

Fees, rates and practical tips to maximise value

Fees are clear: an account fee of $75 every six months and an additional cardholder fee of $15 every six months. Purchase rate is variable around 20.95% p.a. with cash advances higher at 22.95% p.a. There’s also promotional balance transfer pricing at 1.99% p.a. for six months which can be useful if managed carefully.

To get the best ROI from the Kiwibank Air New Zealand Airpoints Platinum Visa, use it for planned high-value purchases and everyday bills you’d pay anyway, clear the balance monthly to avoid interest, and focus spend through Air New Zealand and partner merchants to accelerate Airpoints Dollars and Status Points.