Air New Zealand Airpoints™ Low Fee Visa

Can’t decide if you want low fees or travel rewards? Get both with an Air New Zealand Airpoints™ Low Fee Visa.

Key features & benefits

  • Account fee of just $12.50 every six months and $5 for joint or additional cardholders.

  • One Airpoints Dollar™ for every $160 of eligible spend*.

  • Standard purchase interest rate of

Interest rates, fees & rewards

Interest rates are subject to change.

Airpoints Dollars

Earn one Airpoints Dollar for every $160 spent on eligible purchases*, or one Airpoints Dollar for every $140 spent on Air New Zealand products bought directly from Air New Zealand.

As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire.

Account fee (every six months)


Joint/additional cardholder account fee (every six months)

$5 per card

Interest rate on purchases and cash advances

Interest free days

Up to 44

Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers.

Balance transferred from a non-Kiwibank credit card


Minimum credit limit


Late payment fee

When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement

$5 per late payment

Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee.

How it works

Apply now

You can apply for an Air New Zealand Airpoints™ Low Fee Visa online whether you’re a new or an existing Kiwibank customer.

New to Kiwibank?

Complete our online application form to apply for a credit card. We'll also need to verify your identity.

Apply online

Already with us?

If you're an existing Kiwibank customer, you can log in to Internet Banking or our mobile app to apply.

Log in to Internet Banking

Before you apply for a credit card, you’ll need to meet our lending criteria and have some information handy. If you aren’t already an Airpoints member, we’ll sign you up for free when your Airpoints credit card is approved.

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