Kiwibank Air New Zealand Airpoints Platinum Visa, the Kiwi Travel Card for Airpoints, Low Rates and Travel Insurance

Overview

The Kiwibank Air New Zealand Airpoints Platinum Visa is designed for Kiwis who want to turn everyday NZ$ spending into travel. This card earns Airpoints Dollars on eligible purchases and pairs travel rewards with features that suit frequent flyers and regular shoppers alike.

With a clear focus on convenience and travel value, the Kiwibank Air New Zealand Airpoints Platinum Visa offers complimentary travel insurance when you pay for your trip with the card, up to 44 interest-free days on purchases and a competitive balance transfer option for those consolidating debt.

Airpoints and travel insurance

Cardholders earn Airpoints Dollars for everyday NZ$ spend, which can be redeemed for flights, seat upgrades and extras on Air New Zealand. The Airpoints earn rate makes the Kiwibank Air New Zealand Airpoints Platinum Visa attractive for Kiwis who fly regularly and want to bank rewards from groceries, fuel and bills.

Travel insurance is included when you pay for travel and accommodation with the card before leaving New Zealand. That cover helps with medical emergencies, lost luggage and trip cancellations, giving local travellers peace of mind without having to buy separate policies.

Rates, fees and balance transfers

Understanding fees matters: the Kiwibank Air New Zealand Airpoints Platinum Visa has an annual fee of NZ$180 (charged NZ$90 every six months) and a purchase rate of 20.95% p.a. While the purchase and cash advance rates are higher than some low-rate cards, the rewards and benefits can offset those costs for frequent travellers.

For those managing existing balances, the card offers a promotional balance transfer rate of 1.99% p.a. for the first six months. The card also provides up to 44 interest-free days on purchases and typically requires a minimum credit limit of NZ$8,000, so it suits Kiwis with steady incomes and regular spend.

How to apply and tips to maximise value

Applying for the Kiwibank Air New Zealand Airpoints Platinum Visa requires proof of income, ID and residency details. Make sure you meet eligibility criteria and have recent payslips or bank statements ready. Kiwibank may ask for details of expenses and existing debts as part of standard lending checks.

To get the most from this card, use it for everyday NZ$ payments you already make—groceries, fuel and bills—to maximise Airpoints Dollars. Pay your balance in full where possible to enjoy the interest-free days and consider the promotional balance transfer to reduce high-rate debt before the standard rate applies.