ANZ Airpoints Visa Review, Rates & Fees | Finder NZ
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

ANZ Airpoints Visa

Last updated:  

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

19.95% p.a.

Purchase Rate

$65 p.a.

Annual Fee


Minimum Income


Product NameANZ Airpoints Visa Credit Card
Rewards ProgramAir New Zealand Airpoints Programme
Balance Transfer Limit95%
Purchase rate (p.a.)19.95% p.a.
Annual Fee$65 p.a.
Interest Free PeriodUp to 44 days on purchases
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’ll 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 will never expire. There is no cap to how many you can earn.
  • Mobile payments. Connect your credit card to your Google Pay or Apple Pay accounts for more convenient shopping.
  • ANZ Card Manager. With the ANZ Card Manager, you can manage your PIN, report a stolen card or put a temporary block on in case you misplace it.
  • Interest-free purchases. Enjoy up to 44 days interest-free on purchases when you pay your card balance off 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 joint or additional 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 will contact you if activity on your card seems suspicious. It will block transactions if you are unreachable.
  • Contactless payments. You’ll only need to enter your PIN if your transaction is over $80.

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 a 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. You will be contacted within two working days to discuss the next steps.

Compare other credit cards

Name Product Purchase Rate Interest Free Period Annual fee
Gem Visa Credit Card
25.99% p.a.
Up to 55 days on purchases
6 months interest free on all Visa purchases $250 and over, plus get long-term interest-free deals at retailers nationwide including Apple, Noel Leeming, Mitre 10 and many more.
American Express Airpoints Card
0% for 6 months (reverts to 19.95% p.a.)
Up to 55 days on purchases
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% p.a.
Up to 55 days on purchases
Be rewarded with 400 bonus Airpoints Dollars when you apply online by 30 March 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. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% p.a.)
Up to 55 days on purchases
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.

Compare up to 4 providers

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy and Cookies Policy.
Go to site