Air New Zealand Airpoints Low Fee Visa Card, sweet as way for Kiwis to rack up Airpoints Dollars

Why Kiwis pick this Airpoints Low Fee Visa

If you’re after a straightforward travel rewards card that doesn’t cost the earth, the Airpoints Low Fee Visa from Air New Zealand is a strong shout. With a low annual fee of $50 p.a. and up to 44 interest-free days on purchases, it’s built for everyday spending and saving for flights without breaking the budget.

This Visa earns Airpoints Dollars as you spend, so everyday buys from groceries to petrol help stack points for flights, upgrades or extras. For many Kiwis who want to travel more often, that steady accumulation makes a real difference when it’s time to book a trip around Aotearoa or overseas.

Costs, rates and what to watch

The card carries a competitive purchase rate of 16.90% p.a. and a balance transfer introductory rate of 1.99% p.a. for the first six months. There’s consistency here—cash advances usually sit at the same purchase rate—so be mindful if you’re drawing out cash rather than paying straight off.

Remember the earning rate: typically 1 Airpoints Dollar for every $200 spent on eligible purchases. That’s handy for building reward balances, but the real value depends on how you use the points and whether you pay off balances monthly to avoid interest eating into rewards.

Applying and the docs you’ll need

Applying is pretty standard for New Zealand credit cards. Kiwibank will check income, expenses, and credit history, so have payslips or bank statements ready. Self-employed applicants should supply recent tax returns and signed financial statements to speed things along.

Identity checks require usual ID like a passport or driver’s licence and a recent bank statement or utility bill. Being organised with IRD numbers and contact details makes the application smoother, and most applicants get a decision quickly if their paperwork is tidy.

Is it the right low fee credit card for you?

For Kiwis who travel, prefer low annual fees and want simple Airpoints earning, this card is a smart pick. It balances cost and reward access—allowing everyday spending to turn into Airpoints Dollars that won’t expire while you remain the primary cardholder, so you can plan trips without rushing to use points.

If you carry big balances often or need long-term 0% balance transfers, there are other cards to compare. But if you value solid Airpoints rewards, low fee structure, and the convenience of digital wallets like Apple Pay and Google Pay, this Airpoints Low Fee Visa is worth your consideration.