Low rate Mastercard

Mastercard Zero

Mastercard Gold

Airpoints Low Fee

Airpoints Standard

Airpoints Platinum

Account fee (every 6 months)







Interest rate on purchases

Interest rate on cash advances

Interest free days

Up to 55

Up to 55

Up to 55

Up to 44

Up to 44

Up to 44

Minimum credit limit







Earn Air New Zealand Airpoints DollarsTM

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Exclusive access to Air New Zealand monthly prize draws

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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 in each year

Complimentary overseas travel insurance

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Earn Air New Zealand Status Points


Balance transfer offers

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Interest free days

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.

All credit cards

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

Air New Zealand Airpoints Credit Cards

As well as Kiwibank’s terms and conditions, Airpoints Terms and Conditions apply. See airpoints.co.nz for details.

Eligible purchases exclude fees or interest, balance transfers, credit card replacement 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

Complimentary overseas travel insurance

Complimentary overseas travel insurance is arranged by Kiwibank and issued by Tower Insurance Limited and Tower Insurance Limited is solely responsible for any claim under the policy.

Terms and conditions for 'Which way will you go?' offer

Lending criteria, terms and fees apply. Offer applies for all successful applications submitted between 23 July and 2 September 2018. Enter the applicable promo code at time of application. Offer not available on transfers from an existing Air New Zealand Airpoints Credit Card or if you have had one in the last 12 months. Offer only available once per customer. Bonus Airpoints Dollars will be added to the Airpoints account of the primary cardholder.

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