American Express Airpoints Credit Card

The basics

• Additional cardholders. Add up to 4 additional cardholders for free, allowing you to share your account with family members and earn more Airpoints faster. Note that any Airpoints earned will accrue under the primary cardholder, who is also responsible for managing the account and repayments.
• Digital wallets. American Express does not support Apple Pay, Samsung Pay, or Google Pay in New Zealand.
• Gambling transactions. Gambling transactions are prohibited on this card (or any other Amex card).

Rewards and benefits

• Complimentary travel insurance. This card does not come with complimentary domestic or international travel insurance, which is available with the platinum version.
• Concierge services. The Amex concierge service is not available for American Express Airpoints Credit Card holders. The platinum version offers this.
• Insurances. This card does not have any insurance coverage.
• Rewards points. Earn 0.01 Airpoints Dollars per $1 spent on eligible purchases within New Zealand, i.e. earn 1 Airpoint Dollar per $100 spent. Balance transfers, cash advances, foreign currency purchases, and any transactions classified as cash advances are not eligible to earn Airpoints Dollars.
• Sign-up bonus. Sign up for the American Express Airpoints Credit Card and receive 50 bonus Airpoints Dollars when you spend $750 on eligible purchases within the first 3 months.

Rates and fees

• Annual fee. This card has no annual fee, which is very competitive for a card that earns rewards.
• Balance transfers. An interest-free balance transfer option is not on offer.
• Cash advances. It's 22.95% p.a. for cash advances. Interest begins to accrue immediately. Along with interest, there is a one-off cash advance fee.
• Foreign exchange fee. All purchases made online with a foreign currency or overseas will incur a 2.50% fee.
• Interest-free period. Enjoy up to 55 days interest-free on purchases (excluding cash advances) when you pay your balance in full or make minimum required payments by the due date.
• Purchases. Get 6 months at 0% p.a. interest on purchases. After the introductory period, purchases will be charged interest at 22.95% p.a.