ANZ Airpoints Visa Platinum review, NZ credit card for Kiwi travellers
Maximise Airpoints Dollars and travel perks with ANZ Airpoints Visa Platinum, the NZ credit card Kiwis rely on
Why ANZ Airpoints Visa Platinum suits Kiwi travellers
The ANZ Airpoints Visa Platinum is a top NZ credit card for Kiwis who prioritise travel rewards and practical perks. Earning 1 Airpoints Dollar for every NZ$110 spent, it’s tailored for everyday spending and larger purchases alike, letting frequent flyers stack meaningful Airpoints Dollars over a year.
Beyond basic accrual, cardholders get Airpoints Advance access, Visa Concierge and a $145 discount toward a 12‑month Koru membership, making this ANZ card especially attractive for domestic and international trips from New Zealand.
Key features and Airpoints Dollars rewards
Card benefits include complimentary overseas travel insurance when you pay at least half of pre‑paid travel with the card, and Airpoints Advance that can front up to NZ$200 in Airpoints Dollars to secure bookings sooner. The Visa Offers network also adds value with dining and experience deals relevant to Kiwi lifestyles.
With a generous credit limit starting around NZ$8,000 and up to 44 interest‑free days on purchases, the ANZ Airpoints Visa Platinum balances spending power and reward potential, helping Kiwis convert everyday bills and groceries into flights and upgrades.
Costs, fees and eligibility
The ANZ Airpoints Visa Platinum carries an annual fee of NZ$150 and purchase and cash advance rates of about 20.95% p.a., so it suits those who pay balances in full each month to avoid interest. Understanding these fees is key to making the most of the card’s travel rewards without letting costs eat into value.
Eligibility typically requires New Zealand residency, a solid credit history and proof of income; ANZ assesses income, expenses and existing debts when reviewing applications. For many Kiwis, meeting these criteria opens access to one of the more rewarding NZ credit cards available.
How Kiwis can maximise value from this NZ credit card
To squeeze the most from ANZ Airpoints Visa Platinum, use it for regular recurring expenses—bills, fuel, groceries and work travel—and pay in full to benefit from interest‑free days. Combine Airpoints Dollar accrual with occasional Airpoints Advance usage to lock in flights or upgrades when seats go on sale.
Sign up for the Koru membership discount if you fly often, link the card to travel bookings to trigger the insurance, and monitor Visa Offers for seasonal promos. Small changes in spending habits can transform routine purchases into significant travel benefits for Kiwis.