Kiwibank Air New Zealand Airpoints Platinum Visa maximises Airpoints and Koru perks for Kiwi travellers
Earn Airpoints Dollars faster on everyday spend, rack up Status Points and score Koru discounts, lounge passes and travel insurance with the Kiwibank Air New Zealand Airpoints Platinum Visa
Rewards and earn rates that really add up
The Kiwibank Air New Zealand Airpoints Platinum Visa is built for Kiwis who want to earn Airpoints Dollars on everyday spend. You earn 1 Airpoints Dollar for every $75 spent on eligible purchases and 1 Airpoints Dollar for every $65 when you buy directly with Air New Zealand, so grocery and fuel rounds can turn into flights sooner than you think.
On top of Airpoints Dollars, the card gives a competitive Status Points earn rate that helps frequent flyers move up the Air New Zealand loyalty tiers. Airpoints Dollars never expire for the primary cardholder, which makes this credit card a long-term play for travel-minded New Zealanders.
Koru membership, lounge passes and travel insurance
The card includes strong travel perks: Koru discounts such as no joining fee and a $145 reduction on the annual Koru subscription, plus lounge passes earned with higher spend thresholds. For every $30,000 you charge you can earn lounge access passes, capped each year, so regular travellers can enjoy the lounge before a flight.
Complimentary overseas travel insurance is included for you and travelling family members when the trip is purchased on the card, giving peace of mind on holiday. Add in Visa Concierge and travel assistance, and you’ve got a credit card that covers both convenience and comfort for Kiwi travel plans.
Fees, rates and practical costs to consider
Be aware of fees: the account fee sits at $75 every six months and additional cardholders cost $15 every six months, so weigh yearly costs against the value of the Airpoints and perks you’ll earn. The purchase and cash advance rates are variable, so keep balances paid to avoid interest eating into rewards.
Balance transfers and promotional rates may be offered from time to time, but the card rewards peak when you use it for planned, higher-value purchases instead of carrying debt. If you use the Airpoints Dollars Advance feature, remember that it’s effectively borrowing against future earnings and should be managed carefully.
Who benefits most and how to maximise rewards
This card suits Kiwi frequent flyers, high spenders and families who travel. Use the Kiwibank Air New Zealand Airpoints Platinum Visa for bills, supermarket shopping and regular purchases to steadily build Airpoints Dollars and Status Points, and combine that with partner offers to accelerate earnings.
To get the most, track your yearly spend thresholds for lounge passes, link travel bookings to Air New Zealand partners, and keep repayments on time. With sensible use, the card transforms everyday spending into flights, upgrades and Koru benefits—ideal for locals who want travel value without fuss.