ANZ Airpoints Visa Platinum The Kiwi traveller’s best bet to rack up Airpoints Dollars

Why ANZ Airpoints Visa Platinum suits Kiwi travellers

The ANZ Airpoints Visa Platinum is built for Kiwis who want to turn everyday NZ$ spending into travel. Cardholders typically earn 1 Airpoints Dollar for every $110 spent, so routine bills, groceries and fuel can quickly add up to flights or upgrades.

Beyond earning Airpoints Dollars, the card brings perks that matter locally: a $145 discount off a 12-month individual Koru membership, Visa Concierge services and a network of Visa offers. For frequent domestic and trans-Tasman travellers, the Airpoints Visa Platinum helps stretch travel budgets further.

Perks, travel cover and Airpoints Advance

One of the stand-out features is Airpoints Advance, which can lend up to 200 Airpoints Dollars in advance to secure a trip sooner. Complementing that is complimentary overseas travel insurance when you pay at least half of pre-paid travel on the card, giving Kiwis peace of mind overseas.

Other travel-friendly benefits include purchase protection, rental car cover and access to Visa Offers. These extras make the ANZ Airpoints Visa Platinum useful not only for earning Airpoints Dollars, but also for protecting travel plans and unlocking discounts on the road.

Costs, rates and how to manage fees

There is an annual fee of NZ$150 and the standard purchase and cash advance rates sit around 20.95%, so it pays to use the Airpoints Visa Platinum smartly. The card offers up to 44 interest-free days on purchases if you pay your statement in full each month, which is the simplest way to avoid interest charges.

To maximise value, channel regular household bills, petrol and grocery spend onto the card and clear the balance monthly. Avoid cash advances where possible and watch promotional interest periods carefully — these are the practical steps Kiwis can take to keep costs down while earning Airpoints Dollars.

Eligibility, documents and tips to maximise Airpoints

Applicants need to be New Zealand residents with a solid credit history and provide proof of income such as recent payslips, bank statements or IRD summaries, plus photo ID like a passport or NZ driver’s licence. ANZ will assess income, expenses and existing debts when setting your credit limit, which typically starts around $8,000.

To boost Airpoints earnings, use the ANZ Airpoints Visa Platinum for larger planned purchases and recurring subscriptions, and combine card spend with family expenses where possible. Compare this card against other NZ options from Kiwibank, Westpac and ASB to ensure the Airpoints Visa Platinum best matches your travel goals and monthly cashflow.