ANZ Airpoints Visa Platinum NZ Review A Kiwi Guide to Airpoints Dollars and Travel Perks

Why ANZ Airpoints Visa Platinum suits Kiwis

The ANZ Airpoints Visa Platinum is a solid pick for New Zealand travellers who want to turn everyday spending into Airpoints Dollars. Cardholders earn 1 Airpoints Dollar for every $110 spent, which stacks up nicely for flights, upgrades and Koru membership discounts — ANZ offers $145 off the standard 12-month individual Koru fee, a proper bonus for frequent flyers.

For Kiwis who fly domestically between Auckland, Wellington and Queenstown or head overseas, the ANZ Airpoints Visa Platinum pairs well with Air New Zealand services. The Visa Concierge and global perks lift the travel experience, while Airpoints Dollars give flexibility for short-haul hops or saving towards a big trip.

Travel perks, insurance and Airpoints Advance

One standout is Airpoints Advance, which lets you access up to $200 Airpoints Dollars in advance to secure bookings sooner. Overseas travel insurance comes complimentary when at least half of prepaid travel costs are charged to the card, so you get cover for medical emergencies, cancellations and delays when you meet the spend condition.

Beyond insurance, the card’s travel-focused features — from Visa offers to concierge support — make trip planning easier. Whether you’re exploring the South Island or booking an overseas holiday, these perks help you travel smarter and protect your plans, so you’re not caught out mid-journey.

Costs, limits and how to get best value

The annual fee is $150 and the standard purchase and cash advance rates sit around 20.95%, with up to 44 interest-free days if you pay the statement in full. The minimum credit limit typically starts at $8,000, so it’s aimed at people with steady incomes and room on their budgets to use the card regularly.

To make the ANZ Airpoints Visa Platinum worth it, focus regular spending through the card — groceries, fuel and bills — and clear the balance each month to avoid interest. With disciplined use, the Airpoints Dollars and Koru discount will often outweigh the annual fee for frequent flyers and those who plan ahead.

Eligibility, applying and Kiwi tips

ANZ looks for a good credit history and proof of income — payslips, recent bank statements or an IRD summary for the self-employed — plus photo ID like a passport or driver licence. Permanent residents and citizens who meet income thresholds and show stable finances have the best chance of approval.

Before applying, compare similar New Zealand cards from Kiwibank, Westpac and ASB to see which matches your spending habits. Use the ANZ Airpoints Visa Platinum for regular purchases and big trips, join Koru if you travel often, and treat Airpoints Dollars as genuine travel currency to unlock real value.