ANZ Airpoints Visa

Get in the air faster by earning Airpoints Dollars on eligible purchases with the ANZ Airpoints Visa.

If you like to travel, the ANZ Airpoints Visa allows you to earn Airpoints Dollars while you spend.
These can be redeemed for flights, upgrades, gifts, rental cars and more, plus your points will never expire as long as you hold a current card.

Often cards charge a higher interest rate for cash advances, but with this card the interest rate of 19.95% p.a. applies to both purchases and cash advances

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19.95% p.a.

Purchase Rate

$65 p.a.

Annual Fee


Minimum Income


Product NameANZ Airpoints Visa Credit Card
Balance Transfer Limit95%
Purchase rate (p.a.)19.95% p.a.
Annual Fee$65 p.a.
Interest Free PeriodUp to 44 days on purchases
Min credit limit$500
Minimum Income$20,000
Card TypeVisa
Late Payment Fee$6
Complimentary Travel InsuranceNo
Available To Temporary ResidentsYes
Joint ApplicationYes

Benefits of the ANZ Airpoints Visa

  • Earn Airpoints Dollars. For every $130 you spend on eligible purchases, you receive 1 Airpoints Dollar. As with other credit cards that offer Airpoints, Airpoints Dollars can be redeemed for flights on Air New Zealand and partner airlines, flight upgrades, rental cars, gifts, merchandise and more. There is no maximum amount of Airpoints Dollars that you can earn.
  • No expiry. As long as you hold a current ANZ Airpoints Visa, your Airpoints Dollars never expire. There is no cap on how many you can earn.
  • Mobile payments. Connect your credit card to your Google Pay or Apple Pay account for more convenient shopping.
  • ANZ Card Manager. With the ANZ Card Manager, you can manage your PIN, report a stolen card or put on a temporary block if you misplace it.
  • Interest-free purchases. Enjoy up to 44 days interest-free on purchases when you pay off your card balance in full each month.

Features of the ANZ Airpoints Visa

  • Interest rate. An interest rate of 19.95% p.a. applies to both purchases and cash advances.
  • Annual fee. Every 6 months you will be charged $32.50, for a total annual fee of $65.
  • Additional cards. Each additional or joint card has a $10 annual fee, charged at $5 every 6 months.
  • Visa Zero Liability. If your card is lost or stolen, you won’t be liable for fraudulent transactions as long as you have complied with ANZ’s terms and conditions.
  • Fraud monitoring. ANZ contacts you if the activity on your card seems suspicious, and blocks transactions if you are unreachable.
  • Contactless payments. You only need to enter your PIN if your transaction is over $200.

How to apply

Before applying for the ANZ Airpoints Visa, check that you meet the eligibility criteria and have the required documentation.

You can then visit a branch, contact ANZ by phone, or visit the ANZ website to complete an application form. If you complete the form online, you can expect to hear from ANZ within two working days.

Eligibility criteria

  • Be at least 18 years of age.
  • Be an NZ citizen or permanent resident. If you are a non-resident, you must have at least one year left on a work visa or six months on a student visa.
  • Have a regular income.
  • Be able to provide evidence that you have income left over to meet your credit card repayments once your other commitments have been met.

Required documents

If you are not an ANZ customer, you will need to provide the following documents with your application:

  • Valid photo ID: Passport or driver’s licence.
  • Proof of address: A recent utility bill, bank statement or government letter that shows your name and address.
  • Bank statements: At least 3 months’ worth of bank statements. These must be for the account that your income is credited to.

ANZ may require further information from you to process your application, and they will contact you within two working days to discuss the next steps.

The bottom line

If you are after an Airpoints card with a more modest annual fee, then the ANZ Airpoints Visa could be the one for you, although, it comes with a more modest Airpoints Dollars earn rate than its Platinum counterpart. Make sure you compare your options before making a final decision.

Compare other credit cards

Name Product Purchase Rate Annual fee Balance Transfer Rate
Q Mastercard
0% for 3 months (changes to 25.99% p.a.)
0% p.a. for 36 months
0% p.a. for 36 months on balances transferred from eligible personal credit cards until 30 November 2021 - offer applies to new customers only. Plus get 3 months zero interest and zero payments on every purchase.
American Express Airpoints Platinum Card
19.95% p.a.
Be rewarded with 500 bonus Airpoints Dollars when you apply by 29 November 2021 are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. Ts&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
Farmers Mastercard
25.95% p.a.
Get $100 worth of Farmers Club Vouchers when you spend and link your card to a Farmers Club Card - offer is for new applications only and ends on 31 October 2021.
Flight Centre Mastercard
22.95% p.a.
Use your Flight Centre Mastercard for everyday shopping and earn rewards as you spend. Earn 2 Flight Centre rewards for every $100 spent at a Flight Centre Store and 1 reward point for standard purchases. Subject to lending criteria. Ts&Cs apply.
American Express Airpoints Card
0% for 6 months (changes to 19.95% p.a.)
Be rewarded with 100 bonus Airpoints Dollars when you apply by 28 February 2022, are approved and sped $750 on your new card within the first 3 months of membership. This offer is available to new Card Members only.
American Express Platinum Edge Credit Card
2.99% for 6 months (changes to 19.95% p.a.)
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
American Express Platinum Card
Get the new metal Platinum Card, 80,000 Membership Rewards bonus points, up to $300 dining credit and $200 to spend on travel each year. Offer available to new customers who apply online, are approved and spend at least $1,500 in the first 3 months. Exclusions, Ts&Cs apply.
The Co-operative Bank Fair Rate Credit Card
12.95% p.a.
0% p.a. for 6 months
0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% on both purchases and cash advances.

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