Kiwibank Air New Zealand Airpoints Platinum Visa: Maximise Airpoints, Travel Insurance and Low Interest in NZ

Main perks for Kiwi travellers

The Kiwibank Air New Zealand Airpoints Platinum Visa is built for Kiwis who fly often and want a credit card that actually pays back. It blends Airpoints earning with practical features like up to 44 interest-free days on purchases and a balance transfer offer for short-term low interest savings.

Everyday spending turns into flights: use it for groceries, fuel and bills and you’ll slowly build Airpoints Dollars you can redeem on Air New Zealand. The card’s annual fee is offset for many by the travel perks and the strong earn rate for regular NZ households.

Airpoints earnings and how to maximise them

With the Kiwibank Air New Zealand Airpoints Platinum Visa you earn Airpoints Dollars on eligible purchases — typically 1 Airpoints Dollar for around NZ$115 spent. That makes it worth using for larger regular expenses and planned purchases to stack points faster for flights or upgrades.

To squeeze the most value, charge holidays, accommodation and work travel to the card, and pay off the balance in full each month to avoid purchase interest. Pair the card with Air New Zealand promotions and other Airpoints-earning opportunities to boost your rewards balance.

Travel insurance and overseas cover tailored for NZ travellers

One big draw is the complimentary overseas travel insurance when you pay for flights and accommodation on the Kiwibank Air New Zealand Airpoints Platinum Visa before you leave NZ. Cover includes medical emergencies, baggage loss and trip cancellation, which is peace of mind for Kiwis heading to Australia, the Pacific or beyond.

Insurance terms are designed with New Zealand travellers in mind, but always check exclusions and the maximum benefit limits. Make sure you meet the activation conditions — simple steps like charging your flights to the card often suffice and keep you covered during the trip.

Rates, fees, eligibility and how to apply

The card’s purchase rate sits around competitive rewards levels while the balance transfer introductory rate can help consolidate debt cheaply for a short period. Annual fee and minimum credit limit details should be reviewed against your own spending to confirm value — frequent flyers often find the Airpoints returns justify the cost.

Applying in NZ typically requires ID, proof of income and banking history, and meeting creditworthiness checks. Be ready with payslips, IRD details or recent bank statements; Kiwibank assesses applicants with local expectations, so providing clear New Zealand documentation speeds approval.