Full Features Comparison


Air New Zealand Airpoints Low Fee Mastercard®

Air New Zealand Airpoints Standard Mastercard®

Air New Zealand Airpoints Platinum Mastercard®

Airpoints Dollar earn rate on eligible purchases

$160 spend = 1 Airpoints Dollar

$120 spend = 1 Airpoints Dollar

$75 spend = 1 Airpoints Dollar

Earn Airpoints Dollars at a higher rate when you purchase Air New Zealand products directly from Air New Zealand

$140 spend = 1 Airpoints Dollar

$100 spend = 1 Airpoints Dollar

$65 spend = 1 Airpoints Dollar

Your Airpoints Dollars won’t expire while you have a current Airpoints credit card

yes yes yes

Airpoints Dollars Advance

Access in advance up to 100 additional Airpoints Dollars

Access in advance up to 200 additional Airpoints Dollars

Airpoints Dollars top up – buy additional Airpoints Dollars online for a fee

yes yes yes

Earn Status Points

1 Status Point per $200 of eligible spend

Complimentary travel insurance


Complimentary Koru Lounge passes

Two complimentary single entry passes each year, when you spend $20,000

Two complimentary single entry passes for every $20,000 spent on your card in each year

Koru membership discounts

The joining fee is waived for each individual cardholder, plus get $145 off the annual fee

Access to monthly prize draws

yes yes yes

Mastercard® Privileges

yes yes yes

Concierge service


Fees and Interest rates


Air New Zealand Airpoints Low Fee Mastercard®

Air New Zealand Airpoints Standard Mastercard®

Air New Zealand Airpoints Platinum Mastercard®

Interest free period

Up to 44 days

Up to 44 days

Up to 44 days

Annual interest rate – purchases

Annual interest rate – cash advances

Annual account fee




Joint / Additional cardholder annual fee




Other fees and interest rates may apply. See all credit card rates and fees.

The interest free period only applies if you pay your card off in full by the due date and does not apply to cash advances or balance transfers.

Monthly competitions

Every month you make a purchase on your card, you’ll automatically be entered in the draw to win:

  • one prize of 1,500 Airpoints Dollars.
  • ten prizes of 100 Airpoints Dollars.

For more information and competition terms and conditions please visit airnz.co.nz/

Koru Lounge passes

Get two free single entry Koru Lounge passes when you spend at least $20,000 on your card in each year. A year is based on the 12 month period from the date your card was issued.

Air New Zealand Airpoints Platinum Mastercard

Get two free single entry Koru Lounge passes every time you spend $20,000 on your card in each year. A year is based on the 12 month period from the date your card was issued.

Using your passes

We’ll let the primary cardholder know when you’ve earned your passes in myairnz.co.nz (and by email if we have your email address). The passes will be loaded onto your Airpoints™ account, so make sure you use your Airpoints™ number when you book your flight.

The passes give you access to the domestic or international Air New Zealand branded and operated lounges at your departure airport on the day you’re flying. You’ll just need to present your boarding pass or your Airpoints membership card. You can also give one of your Koru passes to a guest travelling with you.

Your flight must be either an Air New Zealand flight, an Air New Zealand codeshare service or joint service which is operated by another airline. An eligible codeshare or joint service Flight is a flight booked with an Air New Zealand flight number and operated by either Cathay Pacific (between Auckland and Hong Kong), Virgin Australia, Air Caledonie, Air Tahiti Nui or Air Vanuatu.

Access to the lounge is subject to space being available.

Joint or additional card holders can also use the lounge passes as long as they have an Airpoints account. The lounge passes will be displayed in the myairnz accounts of all cardholders linked to the credit card account.

The lounge passes are valid for 12 months from the date that they are issued.

For more information on Air New Zealand lounges please visit airnz.co.nz/koru

Koru membership discounts

Air New Zealand Airpoints Platinum Mastercard holders and any joint or additional cardholders get two great Koru discounts. You:

  • won’t pay a joining fee on a one year individual membership (saving you $255)
  • will get a discount of $145 on the annual fee.

For more information on Koru Memberships please visit airnz.co.nz/koru

Complimentary Overseas Travel Insurance

With an Air New Zealand Airpoints Platinum Mastercard you’ll get up to 40 days complimentary overseas travel insurance, including cover for any immediate family travelling with you.

Check out Travel Insurance for Kiwibank Credit Cards for more information.

Earning Airpoints Dollars

As well as earning Airpoints Dollars whenever you buy things with your Airpoints credit card, you’ll also earn them when:

  • you fly with Air New Zealand or their Airpoints partner airlines
  • you stay at Airpoints partner hotels
  • you rent Airpoints partner cars
  • you sail on Airpoints partner cruises.

See all the ways you can earn Airpoints Dollars

Don’t forget, you’ll earn extra Airpoints Dollars when you buy products and services directly from Air New Zealand on your Airpoints credit card.

This includes flights and other services offered through Air New Zealand like rental cars, hotels and campervans. To get the higher earn rate you’ll need to buy them direct from Air New Zealand via airnz.co.nz, the Air New Zealand Contact Centre or Holidays Stores.


You can only link one Airpoints account to a card — but if you’ve got a joint account, you can set up Shairpoints so you can both use the points you earn. You can pool points with other family members or friends, too.

Find out more about Shairpoints

Spending your Airpoints Dollars

You can use your Airpoints Dollars to pay for:

You can check your Airpoints Dollars balance anytime by logging into myairnz.co.nz or by using the Air New Zealand app.

An “Air New Zealand flight” means a flight that is ticketed and operated by Air New Zealand and certain airline partner codeshare flights including across the Tasman with Virgin Australia – please check airnz.co.nz/spending-airpoints-dollars for a full list of Air New Zealand airline Airpoints partners. Any applicable 3rd party taxes, levies or surcharges can’t be paid for with Airpoints Dollars, unless the fare is a New Zealand domestic fare.

Customers who purchase international fares using Airpoints Dollars will be required to pay in cash, the government and airport costs. Please note that all fares that are purchased using Airpoints Dollars are not eligible for accrual of Airpoints Dollars and/or Status Points. This includes fares purchased using Airpoints Dollars that you have purchased via your Airpoints credit card.

Airpoints Dollars™ Advance

You get:

The advance amount will automatically appear in your Airpoints account balance. If you have a joint account, the advance points will appear in the primary cardholder’s account – set up Shairpoints™ to share points with your family.

When you use some of the advance, any Airpoints Dollars earned after that will repay your Airpoints Advance first, then start adding to your Airpoints Dollars balance.

For more information on Airpoints Advance check out airnz.co.nz/airpoints-credit-card-benefits

Airpoints Dollars Top Up

If you’re short a few points, you can buy a top-up from myairnz.co.nz. Click on 'Airpoints Dollars Top Up', enter the amount you need and your Airpoints credit card details. Your Airpoints Dollars balance will be topped up instantly.

There’s a fee for buying Airpoints Dollars. Airpoints Dollars purchases are non-refundable, so double check your purchase before you confirm!

For more information on Airpoints Dollars Top Ups check out airnz.co.nz/airpoints-credit-card-benefits

Concierge service

Air New Zealand Airpoints Platinum Mastercard holders and any joint or additional cardholders can enjoy exclusive personal assistance with dinner reservations, event tickets, locating hard-to-find items, buying and delivering gifts, and coordinating business-related arrangements.

For full details of what services are available, visit mastercard.co.nz.

To arrange a concierge service, call Mastercard on 0800 452 006 or from overseas +64 4 385 9164.

Kiwibank is the issuer of the Airpoints credit cards. Lending criteria, terms and conditions and fees apply. Interest rates are subject to change.

Airpoints Terms and Conditions apply. See airpoints.co.nz for details.

Mastercard and the Mastercard brand mark are the registered trademarks and Contactless is the trademark of Mastercard International Incorporated.

Eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.