Personal Credit Cards

Credit cards don’t need to be complicated, we’ve broken down all the details. Pick which features are the most important to you.

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Kiwibank
56384
Kiwibank Air New Zealand Airpoints Low Fee Visa
Purchase Rate (p.a.)

16.90%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 44

$160 spend = 1 Airpoints Dollar

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$5 per card every six months

Minimum Credit Limit$1,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel Insurance-

Payment Type-

Other-

More Info
American Express
56386
The American Express Airpoints Card
Purchase Rate (p.a.)

0% p.a. for the first 6 months reverting to 19.95% p.a. thereafter

Balance Transfer

-

Interest Free Days

Up to 55 days

Earn 1 Airpoints Dollar for every $100 you spend on your Card. Gifted 50 Bonus Airpoints Dollars

Promotion Details

50 Bonus Airpoints Dollars. Available to new Card Members only.

Interest Rate Cash Advance (p.a.)21.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment Type-

Other-

More Info
Westpac
56407
Westpac Airpoints Platinum Mastercard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a.

Interest Free Days

Up to 44 days

Earn 1 Airpoints Dollar for every $75 spent on the card. Earn one Status point for every $225 spent on the card

  • Extended Warranty Insurance of 12 months for goods purchased and Purchase Protection

Promotion Details

$0 Annual Fee for 2 years on a new Airpoints Platinum Mastercard

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$25 per year

Minimum Credit Limit$10,000

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel InsuranceUp to 35 days

Payment Type-

Other-

More Info
ANZ Bank
56397
ANZ Airpoints Visa Platinum
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 44 days

Earn 1 Airpoints Dollar for every $75 you spend on eligible purchases. Gift of $200 Airpoints Dollars

Promotion Details

Pay 1.99% p.a. on balances transferred for the first two years

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$10 p.a. (charged $5 half yearly)

Minimum Credit Limit-

Foreign Currency PurchasesNo commission when you buy foreign currency from any ANZ Branch in New Zealand

Overseas Travel InsuranceUp to 90 days

Payment TypeApple Pay & Google Pay

Other-

More Info
American Express
56393
The American Express Airpoints Platinum Card
Purchase Rate (p.a.)

19.95%

Balance Transfer

-

Interest Free Days

Up to 55 days

Every $59 you spend = 1 Airpoints Dollar. $250 spend = 1 Status Point. Gifted 200 Bonus Airpoints Dollars

Promotion Details

200 Bonus Airpoints Dollars. Available to new Card Members only

Interest Rate Cash Advance (p.a.)21.95%

Additional Card Fee/Joint AccountFree

Minimum Credit Limit-

Foreign Currency Purchases2.50% of transaction amount

Overseas Travel InsuranceBuilt-in Travel Insurance

Payment Type-

OtherComplimentary Smartphone Screen Insurance

More Info
Kiwibank
56403
Kiwibank Air New Zealand Airpoints Standard Visa
Purchase Rate (p.a.)

20.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 44 days

1 Airpoints Dollar for every $120 of eligible spend

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$10 per card every six months

Minimum Credit Limit$1,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel Insurance-

Payment Type-

OtherTwo complimentary single entry Lounge eVouchers each year when you spend $30,000

More Info
Westpac
56387
Westpac Airpoints World Mastercard
Purchase Rate (p.a.)

16.95%

Balance Transfer

5.95% p.a.

Interest Free Days

Up to 44 days

Earn 1 Airpoints Dollar for every $65 spent on the card. Earn one Status point for every $225 spent on the card

  • Extended Warranty Insurance of 12 months for goods purchased and Purchase Protection

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$100 per year ($50 every 6 months)

Minimum Credit Limit$18,000

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel InsuranceUp to 120 days

Payment Type-

Other-

More Info
Westpac
56404
Westpac Airpoints Mastercard
Purchase Rate (p.a.)

20.95%

Balance Transfer

5.95% p.a.

Interest Free Days

Up to 55 days

Earn one Airpoints Dollar for every NZD$120 spent on the card

Promotion Details

$0 Annual Fee for 2 years on a new Westpac Airpoints Mastercard

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$15 per year

Minimum Credit Limit$500

Foreign Currency Purchases1.4% of transaction amount

Overseas Travel Insurance-

Payment Type-

Other-

More Info
ANZ Bank
56396
ANZ Airpoints Visa
Purchase Rate (p.a.)

19.95%

Balance Transfer

1.99% p.a.

Interest Free Days

Up to 44 days

1 Airpoints Dollar for every $120 spent on eligible purchases. Gift of $50 Airpoints Dollars

Interest Rate Cash Advance (p.a.)19.95%

Additional Card Fee/Joint Account$10 p.a. (charged $5 half yearly)

Minimum Credit Limit-

Foreign Currency Purchases-

Overseas Travel Insurance-

Payment TypeApple Pay & Google Pay

Other-

More Info
Kiwibank
56402
Kiwibank Air New Zealand Airpoints Platinum Visa
Purchase Rate (p.a.)

20.95%

Balance Transfer

1.99% p.a. for 6 months from a non-Kiwibank credit card

Interest Free Days

Up to 44 days

1 Airpoints Dollar for every $75 of eligible spend. Earn one Status Point for every $200 of eligible spend.

Interest Rate Cash Advance (p.a.)22.95%

Additional Card Fee/Joint Account$15 per card every six months.

Minimum Credit Limit$8,000

Foreign Currency Purchases1.85% of the New Zealand dollar amount once converted.

Overseas Travel InsuranceBuilt-in Travel Insurace

Payment Type-

OtherTwo complimentary single entry Lounge eVouchers each year when you spend $30,000

More Info
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