Kiwibank Air New Zealand Airpoints Low Fee Credit Card NZ: Earn Airpoints Dollars for Just $25 a Year

Why the Kiwibank Air New Zealand Airpoints Low Fee Credit Card makes sense in NZ

The Kiwibank Air New Zealand Airpoints Low Fee Credit Card is built for everyday Kiwi spending. With a tiny annual fee of NZ$25 and simple rewards, it’s a straightforward way to turn groceries, bills and weekend coffee into travel credit with Air New Zealand.

This card feels familiar to New Zealanders: no fuss, clear value and perks that match local habits. If you fly with Air New Zealand even occasionally, collecting Airpoints Dollars on regular spending adds up without a heavy cost.

How you earn Airpoints Dollars and what the rates mean

With the Kiwibank Air New Zealand Airpoints Low Fee Credit Card you earn 1 Airpoints Dollar for every $160 spent on eligible purchases, and a better rate of 1 Airpoints Dollar per $140 on direct Air New Zealand spends. Airpoints Dollars are straightforward: 1 Airpoints Dollar equals NZD $1 towards flights, upgrades and a range of redemptions.

There’s no expiry on Airpoints Dollars earned with this card, so you can save for bigger trips without pressure. Pairing routine spending with the Airpoints programme makes booking a domestic or trans-Tasman flight more achievable for many Kiwis.

Costs, interest-free days and balance transfer perks

The headline annual cost is just NZ$25, plus an account fee of $12.50 every six months and $5 for additional cardholders. Purchases enjoy up to 44 days interest-free if you pay the statement in full, which helps manage cashflow around pay cycles.

For anyone consolidating debt, the Kiwibank Air New Zealand Airpoints Low Fee Credit Card offers a 1.99% p.a. balance transfer rate for the first six months. That low rate can shave interest costs while you settle balances, but always check standard rates after the promotional period.

Who benefits most and how to get the best out of it

This card suits light to moderate spenders who want reliable Airpoints Dollars without a heavy fee. If you mostly fly Air New Zealand or plan occasional trips, the low-fee structure and no-expiry points are ideal. Heavy spenders may find higher earn rates elsewhere, but the value here is consistency and low cost.

To maximise value, use the card for everyday bills and Air New Zealand transactions, clear the balance each month to keep interest at bay, and consider the balance transfer offer if you need to consolidate. Compare options but, for many Kiwis seeking simple rewards and low fees, the Kiwibank Air New Zealand Airpoints Low Fee Credit Card is a smart pick.