Compare cards
 Low Rate MasterCard |
 MasterCard Zero |
 MasterCard Gold |
 Go Fly Standard |
 Go Fly Gold |
 Go Fly Platinum |
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| Interest rate | 12.90% p.a. | 15.90% p.a. | 16.90% p.a. | 18.90% p.a. | 18.90% p.a. | 18.90% p.a. |
| Account fee (every 6 months) |
$25 | Free* | $40 | $28 | $49 | $65 |
| Interest free days | Up to 55 | Up to 55 | Up to 55 | Up to 44 | Up to 44 | Up to 44 |
| Minimum credit limit | $1,000 | $1,000 | $5,000 | $1,000 | $5,000 | $10,000 |
| Air New Zealand Airpoints DollarsTM |  |
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1 Airpoints Dollar per $150 spend | 1 Airpoints Dollar per $100 spend | 1 Airpoints Dollar per $90 spend |
| Exclusive access to Go Fly Thursday grabaseat deals | |
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| Access to ShairpointsTM | |
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| Two complimentary one time Koru Lounge passes (minimum spend applies) | |
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| Complimentary travel insurance | |
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| Earn Air New Zealand Status Points | |
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| Exclusive Platinum cardholder benefits | |
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| Balance transfer offers | |
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Conditions
*Provided you use your card at least once every three months. An inactivity fee and service fees may apply.
Transaction and service fees may apply. Interest rates subject to change. Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period does not apply to cash advances or balance transfers.
Kiwibank MasterCard Travel Insurance is arranged by Kiwibank and is issued by TOWER Insurance Limited. Important terms, conditions and exclusions are set out in the 
policy wording (PDF 317 KB).
Airpoints Dollars not available on any balance transfers, credit card repayment insurance or cash advances. Air New Zealand’s Airpoints programme terms and conditions apply, visit airnewzealand.co.nz/airpoints for details. Airpoints Dollars is Air New Zealand’s registered trademark and is Air New Zealand’s Airpoints programme currency. Go Fly grabaseat greenlight deals™ are strictly limited in number. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Friends and family can combine their Airpoints Dollars through setting up a Shairpoints Account. To add members to the Shairpoints Account, the Enabler may invite up to four members to join the Shairpoint Account, up to two of whom may live at an address that is different to the Enabler. When you join a Shairpoints Account, you acknowledge that all of your available Airpoints Dollars can be redeemed by the Enabler and/or by the Spender(s) in your Shairpoints Account and all of your individual Airpoints Dollars earnings and redemptions can be viewed by all other members in the Shairpoints Account.