Kiwibank Air New Zealand Airpoints Low Fee Visa credit card

Take advantage of low fees, travel rewards and a lower interest rate on purchases.

It’s not often that a credit card will offer both rewards and low fees, but with the Kiwibank Air New Zealand Airpoints Low Fee Visa you don’t have to choose.

You’ll earn Airpoints Dollars just for using your card for everyday purchases and pay only $25 in account fees for a whole year.

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16.9% p.a.

Purchase Rate

$25 p.a.

Annual Fee


Product NameKiwibank Air New Zealand Airpoints Low Fee Visa
Purchase rate (p.a.)16.9% p.a.
Annual Fee$25 p.a.
Interest Free PeriodUp to 44 days on purchases
Min credit limit$1,000
Minimum Monthly Payment5% of transaction value or $10, whichever is greater
Card TypeVisa
Late Payment Fee$5
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes

Benefits of the Kiwibank Air New Zealand Airpoints Low Fee Visa

  • Travel Rewards. For every $160 of eligible spend on your credit card, you earn 1 Airpoints Dollar. If you make purchases directly with Air New Zealand, you earn 1 Airpoints Dollar for every $140. Once you accumulate enough Airpoints Dollars you can spend them on flights, upgrades, Air New Zealand services, gifts and merchandise, travel insurance, fine wine and more.
  • Monthly prize draws. Each month you make purchases using your card, you go in the draw to win prizes of either 1,500 Airpoints Dollars or 100 Airpoints Dollars.
  • No expiry for Airpoints Dollars. Your Airpoints Dollars never expire if you are the primary cardholder with a current card.
  • Transfer your balance. You may be able to transfer your balance from another card and pay 1.99% p.a. interest for 6 months.

Features of the Kiwibank Air New Zealand Airpoints Low Fee Visa

  • Interest rate. An interest rate of 16.9% p.a. applies to purchases. The interest rate for cash advances is 22.95% p.a.
  • Interest-free days. If you pay off your entire balance each month you enjoy up to 44 days interest-free on purchases.
  • Credit limit. The Kiwibank Air New Zealand Airpoints Low Fee Visa has a minimum credit limit of $1,000.
  • Monthly repayments. Each month you need to pay either $10 or 5% of the balance, whichever is greater.

How to apply

Before applying for the Kiwibank Air New Zealand Airpoints Low Fee Visa, make sure that you have compared the benefits and interest rate with other cards and meet the eligibility requirements.

You can visit your local branch to start your application or complete the application form on the Kiwibank website.

Eligibility criteria

  • Be at least 18 years of age
  • Be a New Zealand citizen or permanent resident
  • Have a good credit history and agree to a credit check

Required documents

Once you submit your application form online, you can expect someone to respond within 1-3 working days.

You need to verify your identity, which you can do by sharing your details through RealMe. If you are not set up on RealMe, you can use ID Checker if you have a smartphone, or you need to have your documents verified at a Kiwibank branch.

Documents that you need include a valid photo ID, such as your passport or driver’s licence. If you are using your driver’s licence, you also need to take another bank card with your name and signature.

You also need to show proof of address, either a recent bank statement, a store account statement, a government letter or a utility bill.

Kiwibank will inform you of other documentation you may need, such as bank statements or payslips to prove your income.

The bottom line

With low fees and a lower standard interest rate of 16.9% p.a., the Kiwibank Air New Zealand Airpoints Low Fee Visa could be an ideal choice if you like collecting rewards or travelling. However, if collecting Airpoints Dollars is not essential to you, but a low-interest rate is, some cards have even lower interest rates, so make sure you check these out 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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