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 and 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 .

Get rewarded with a new Air New Zealand Airpoints™ Low Fee Visa

Right now a new Air New Zealand Airpoints™ Low Fee Visa comes with 100 bonus Airpoints Dollars™. Enter the promo code KB100 when you apply.

Offer available from 14 March – 23 April 2021. T&Cs apply. Kayaking image courtesy of Destination Marlborough.

Interest rates, fees and 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

Interest rate on 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

To apply for an Air New Zealand Airpoints™ Low Fee Visa, you must be at least 18 years of age, a New Zealand permanent resident and have a good credit history.

New to Kiwibank?

Apply right here, right now. We'll let you know exactly what you need and you may be approved on the spot.

Apply now

Already a Kiwibank customer?

Log in to Internet Banking or our mobile app and go to Apply & Open to make it happen.

Log in to Internet Banking

If you’re new to Kiwibank, we’ll need to see some ID to verify your identity and address. If you aren’t already an Airpoints member, we’ll sign you up for free when your Airpoints credit card is approved.

Other credit cards you may be interested in