Key features & benefits
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One Airpoints Dollar for every $115 of eligible spend*.
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Earn one Status Point for every $200 of eligible spend*.
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Built-in overseas travel insurance if you pay for your travel and/or accommodation before you leave New Zealand. Other conditions apply.
Interest rates, fees & rewards
Interest rates are subject to change.
Airpoints Dollars |
Earn one Airpoints Dollar for every $115 spent on eligible purchases*. As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. |
Earn Status Points |
Get the best Status Point earn rate in the market with one Status Point for every $200 spent on eligible purchases*. |
Koru membership |
Pay no joining fee and get $145 off a standard one year Individual membership. Visit airnewzealand.co.nz/koru for more information. |
Travel insurance |
Built-in overseas travel insurance if you pay for your travel and/or accommodation before you leave New Zealand. Other conditions apply. |
Account fee (every six months) |
$90 |
Joint/additional cardholder account fee (every six months) |
$15 per card |
Interest rate on purchases and cash advances |
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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 |
for |
Minimum credit limit |
$5,000 |
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. |
Overseas travel insurance cover
Overseas travel insurance includes selected cover for epidemic and pandemic diseases such as Covid-191. If you test positive for Covid-19 while you're away and require overseas medical care and/or if you need to change your plans, cover's in place. Selected cover for epidemic and pandemic diseases is detailed in the Supplementary Policy Wording and this is to be read in conjunction with the Policy Wording, found in the Travel Insurance for Kiwibank Credit Cards Policy Wording (PDF 644.2 KB).
How it works
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Minimum monthly payments
Minimum monthly payments of 5% of your monthly statement balance, or $10, whichever is greater, to make sure you don’t get charged a late payment fee.
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Interest free days
To qualify for 44 days interest free, you’ll need to pay off your entire balance by the due date each month. The interest free period doesn’t apply to cash advances.
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No expiry for Airpoints Dollars
As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire.
Apply now
You can apply for an Air New Zealand Airpoints™ Platinum Visa online whether you’re a new or an existing Kiwibank customer.
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.
New to Kiwibank?
Complete our online application form to apply for a credit card. We'll also need to verify your identity.
Apply onlineAlready 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 BankingChanges to your existing card?
See how to increase your credit limit or change card types.
Find out moreOther credit cards you may be interested in
Standard terms and conditions
Lending criteria, terms and conditions, and fees apply. Interest rates, fees and limits subject to change. See all credit cards terms and conditions.
Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.
*Eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, gambling transactions (including online gambling), 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.
Travel Insurance for Insured Cards is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners (FSP758611). If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.
1Important terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Travel Insurance for Kiwibank Credit Cards Policy Wording (PDF 644.2 KB).
Retail products aren't available to financial institutions or wholesale customers.