Kiwibank Air New Zealand Airpoints Standard Visa Maximise Airpoints Dollars

Why Kiwis are choosing this Airpoints card

If you fly often around Aotearoa or book with Air New Zealand, this Kiwibank Airpoints card is built to put more Airpoints Dollars in your pocket from everyday spend. It converts regular household bills and groceries into meaningful rewards, so your weekly shop and petrol stop grow your next getaway.

Points don’t vanish while you keep the card active, and the earning structure is simple to understand, which makes it one of the most straightforward travel reward options for Kiwis. That clarity helps you plan redemptions for flights, upgrades or extras without guesswork.

How to earn and use Airpoints Dollars

You collect Airpoints Dollars on eligible purchases at a steady rate, and you also get bonus Dollars when buying directly from Air New Zealand. That predictable earn pattern means you can map out how long it’ll take to reach a flight or upgrade without needing a spreadsheet.

The card also offers a short-term Airpoints Dollar Advance, effectively giving you access to extra Airpoints Dollars upfront so you can book sooner. The advance is repaid as you continue to earn points, making it handy for sudden travel plans or last-minute seat upgrades.

Lounge access and travel extras

Spend thresholds unlock extra goodies like eVouchers for Air New Zealand lounges — a real perk for frequent domestic travellers. Hit the annual spend target and you’ll get a couple of lounge passes, which lift the whole travel experience from hectic to chilled before your flight.

Alongside lounge access, the card bundles travel-friendly features such as purchase protection and extended warranty on eligible buys, helping protect gear like cameras or laptops you take on holiday. Those extras add tangible value for people who travel with tech or a fair bit of kit.

Fees, balance options and how to maximise value

There’s an annual fee to weigh up, but if you funnel regular expenses through the card and redeem smartly, the Airpoints Dollars earned can easily offset that cost. Keep an eye on the purchase rate and promotional balance transfer offers if you’ve got existing debt to move over.

To get the most from the card, treat it as your everyday card: set direct debits and regular bills on it, clear the statement each month where possible, and use the Airpoints Dollar Advance only when you need to. If you want the rewards without surprises, apply online via Kiwibank and read the T&Cs closely before activating any advances.