Kiwibank Air New Zealand Airpoints Low Fee Card turns everyday NZ spending into Airpoints Dollars for just $25 a year
Turn everyday NZ spending into Airpoints Dollars with the Kiwibank Air New Zealand low fee card, just $25 a year with simple earn rates, up to 44 days interest-free and Visa Entertainment perks
Overview of the card
The Kiwibank Air New Zealand Airpoints Low Fee Card turns everyday NZ spending into Airpoints Dollars with a tiny $25 annual fee, making it a top pick for Kiwi spenders who want rewards without blowouts. It’s straightforward: earn Airpoints Dollars on regular purchases and get perks that actually make sense for local travel and entertainment.
This low fee credit card gives up to 44 days interest-free on purchases when you pay the statement in full, and it links directly to your Airpoints account so points flow automatically. For many New Zealanders who fly with Air New Zealand or save for occasional trips, the simplicity and low cost are the main drawcards.
Rewards, rates and practical costs
Earn 1 Airpoints Dollar for every $160 spent on eligible purchases and 1 Airpoints Dollar per $140 spent on Air New Zealand transactions, so everyday retail and flight spending both count. The card also offers a balance transfer deal at 1.99% p.a. for six months, which is handy if you’re consolidating debt.
Ongoing costs are modest: $25 annual fee, $12.50 account fee every six months and $5 for additional cardholders, so keeping the card makes sense even for modest monthly spend. Remember Airpoints Dollars don’t expire, so you can save up for flights, upgrades or inflight extras without a ticking clock.
Who should pick this card
This is ideal for Kiwis who want a low-fee rewards card and don’t chase premium lounge access or a high earn rate. If you fly Air New Zealand occasionally, the Airpoints Dollars you accumulate can quickly cover short domestic trips or chip in for international fares when paired with other savings.
Not the best fit for high spenders chasing the fastest earn rates or heavy travellers needing lounge access, but for everyday grocery, fuel and bills payments it’s a sensible, cost-effective option. The Visa Entertainment extras add value for event-goers around Aotearoa without extra fuss.
How to apply and tips to maximise value
Applying is straightforward via Kiwibank online or through a comparison site — you’ll need to be 18+, show ID and proof of income, and have a reasonable credit record. Set up automatic payments so you avoid interest and make the most of the 44-day interest-free window.
To squeeze the most value from the Kiwibank Air New Zealand Airpoints Low Fee Card, use it for regular bills and everyday shopping, add a trusted additional cardholder for shared household spend, and combine Airpoints Dollars with occasional top-ups for larger redemptions. Keep an eye on special deals through Visa Entertainment and Kiwibank promotions to boost rewards.
