Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card

The basics

• Additional cardholders. You can get additional cardholders on this card for $30 p.a.
• Digital wallets. This card can't be added to digital wallets, including Apple Pay and Google Pay.
• Gambling transactions. Gambling transactions are not blocked, but Kiwibank classifies them as cash advances.

Rewards and benefits

• Complimentary travel insurance. The Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card includes complimentary international travel insurance. To be eligible for cover, the card must have been used to pay for at least part of your travel costs related to your trip before you leave.
• Concierge services. Cardholders can access the concierge service, who can assist with booking flights, finding travel recommendations, arranging gift delivery, and more.
• Insurances. There is no insurance coverage other than its travel insurance policy.
• Rewards points. Earn 1 Airpoints Dollar per $115 spent on eligible purchases with no cap on the number of points earned in a month or year from domestic purchases. Airpoints Dollars do not expire as long as you have a current credit card.
• Sign-up bonus. Kiwibank does not have a signup bonus for this card at the moment.
• Status points. Earn 1 Airpoints Status Point per $200 of eligible spend.

Rates and fees

• Annual fee. This card comes with an annual fee of $180, payable in two instalments of $90 every six months.
• Balance transfers. This card offers a 6-month balance transfer period at a rate of 1.99% p.a. for non-Kiwibank debt. After the promotional period, any remaining balance will revert to the standard purchase interest rate.
• Cash advances. Any cash advances will be subject to a 20.95% p.a. interest rate, with interest accruing immediately on the transaction. All cash advances with this card will incur a one-off fee.
• Foreign exchange fee. All foreign currency transactions will be charged a fee of 1.85% on the value of the transaction.
• Interest-free period. Provides up to 44 days interest-free on purchases (except cash advances) when you pay your balance in full by the due date or make minimum required payments.
• Purchases. Since there is no introductory offer on purchases, the ongoing interest rate of 20.95% p.a. will apply to all purchases.