American Express Airpoints Card Review

Fly higher with 50 bonus Airpoints Dollars, available to new Card Members only. Plus earn bonus points on eligible spend.

The American Express Airpoints Card rewards you with the features and benefits of a rewards card without the added cost. Cardholders can take advantage of $0 annual fee and a low introductory offer of 0% for 6 months on purchases. If you’re looking for a basic card with a few bells and whistles, this could be a card worth considering.

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0% for 6 months (changes to 19.95% p.a.)

Purchase Rate

$0 p.a.

Annual Fee


Product NameAmerican Express Airpoints Card
Purchase rate (p.a.)0% for 6 months (changes to 19.95% p.a.)
Annual Fee$0
Interest Free PeriodUp to 55 days on purchases
Max credit limit$25,000
Minimum Monthly Payment3% of transaction value or $10, whichever is greater
Card TypeAmerican Express
Late Payment Fee$25
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo

Benefits of the American Express Airpoints Card

  • Earn rate on Airpoints Dollars. You can earn 1 Airpoints dollar for every $100 spent.
  • Redeeming rewards. You can redeem Airpoints Dollars to purchase seats on Air New Zealand flights or with Star Alliance Partners. You can also purchase a Koru membership, use your Dollars for car rental, book hotel accommodation or shop at the Airpoints Store.
  • Earning Airpoints Dollars. Airpoints Dollars are earned by making eligible purchases only. Exclusions include cash advances, interest charges, balance transfers, fees and charges for travellers cheques, foreign currency charges or annual card fees.
  • Bonus Airpoints Dollars. Earn 50 bonus Airpoints Dollars when you apply, are approved and spend $750 on your card within the first 3 months. This offer is available to new Card Members only.
  • Interest-free days. Cardholders can take advantage of up to 55 days interest-free on purchases.

    Features of the American Express Airpoints Card

    • Annual fee. This card comes with a $0 annual fee.
    • Purchase offer. Enjoy a low introductory offer of 0% p.a. for 6 months on purchases. This reverts to a competitive interest rate of 19.95% p.a. when the promotional period expires.
    • Additional cards. You can request up to 4 additional cards at no extra cost.
    • Online access. Access your account via your smartphone, tablet or computer.
    • Fraud protection. Enjoy the online fraud protection guarantee, which covers you against fraudulent transactions made using your card.

    How to apply for the American Express Airpoints Card

    If you’re interested in applying for the American Express Airpoints Card after you’ve checked out the other Airpoints credit card options, you can proceed with the online application form. Take a look at the application criteria and find out what you need to apply:

    Eligibility criteria

    Make sure you meet the following criteria before you apply.

    • You and any additional cardholders must be over the age of 18.
    • You have no history of bad debt or payment defaults.
    • Cardholders need to be permanent residents or citizens of New Zealand.
    • If you are self-employed and have been trading for 18 months (12 months if you are an existing American Express credit cardholder), you are also eligible.

    Documents required

    • Financial information, including details of your existing cards.
    • Employment details.
    • Your accountant’s contact information (if you’re self-employed).
    • A copy of your New Zealand driver’s licence.
    • Personal information, which includes your current address details.
    • Email address, plus a mobile or landline number.

    Bottom line

    The American Express Airpoints Card offers a low cost way to enjoy the benefits of a rewards credit card. With $0 annual fee, 0% for 6 months on purchases and the ability to enrol up to 4 additional cardholders for no extra cost, you can spend with ease and earn Airpoints Dollars. If this card sounds like it’s right for you, get the application process started.

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