Kiwibank Air New Zealand Airpoints Standard Visa Review

Earn 1 Airpoints Dollar for every $120 of eligible spend and up to 44 days interest-free.

  • Kiwibank is no longer accepting new applications for the Air New Zealand Standard Visa. Existing cardholders may continue to use their card. The information below is maintained for reference.
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20.95% p.a.

Purchase Rate

$65 p.a.

Annual Fee

Details

Product NameKiwibank Air New Zealand Airpoints Standard Visa
Purchase rate (p.a.)20.95% p.a.
Annual Fee$65
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
Important note: On 24 November 2021, Kiwibank discontinued the Air New Zealand Standard Visa. Existing cardholders may continue to use their card. The information below is maintained for reference.

Benefits of the Kiwibank Air New Zealand Airpoints Standard Visa

  • Earn Airpoints Dollars. For every $120 you spend on eligible purchases, you earn 1 Airpoints Dollar. You can also earn 1 Airpoints Dollar for every $100 you spend directly with Air New Zealand. Airpoints Dollars can be redeemed for items in the online store, flights, upgrades, rental cars, travel insurance, fine wine and more.
  • Lounge vouchers. When you spend a minimum of $30,000 per year on eligible purchases, you receive two complimentary Air New Zealand Lounge eVouchers.
  • No expiry on Airpoints Dollars. Your Airpoints Dollars never expire as long as you are the primary cardholder and have a current credit card.
  • Visa Offers and Perks. Take a look at the Visa website to discover discounts on entertainment, eating out and much more.

Features of the Kiwibank Air New Zealand Airpoints Standard Visa

  • Interest rate. The interest rate for both purchases and cash advances on the Kiwibank Air New Zealand Airpoints Standard Visa is 20.95% p.a.
  • Account fee. Every 6 months, you are charged an account fee of $32.50.
  • Interest-free days. When you pay off your credit card balance in full each month, you enjoy interest-free purchases for up to 44 days.
  • Credit limit. The Kiwibank Air New Zealand Airpoints Standard Visa has a minimum credit limit of $1,000.
  • Monthly payments. Each month you are asked to pay $10 or 5% of your credit card balance, whichever is greater.

How to apply

If you would like to apply for the Kiwibank Air New Zealand Airpoints Standard Visa, check that you understand the rate and fees and meet the eligibility criteria. To start your application, you can either visit your local branch or complete a 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

After completing the application form online, you’ll be contacted by Kiwibank in 1-3 working days with the outcome. You need to verify your identity and proof of address which can be done using RealMe if you have already set up a profile.

If you are not set up on RealMe, you can use ID Checker if you have a smartphone, or you need to take your documents into a branch for verification. To confirm your identity, you should take either your passport or your driver’s licence and a bank card with your signature and name on it. To verify your address, you need to take with you a recent bank statement, government letter, utility bill, or another acceptable document. Kiwibank will advise you on what documentation you need to prove your income and financial situation before approving your credit card application.

Compare other credit cards

1 - 5 of 34
Name Product Purchase Rate Annual Fee Balance Transfer Rate
AIRPOINTS
American Express Airpoints Platinum Card
19.95% p.a.
$195
N/A
Receive 300 bonus Airpoints Dollars when you apply online, are approved and spend a minimum of $1,500 on your new card within the first 3 months of membership. This offer is available to new Card Members only. T&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
AIRPOINTS
American Express Airpoints Card
0% for 6 months (changes to 19.95% p.a.)
$0
N/A
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved and spend $750 on your new Card within the first 3 months of membership. This offer is available to new Card Members only.
OFFER
American Express Gold Rewards Card
19.95% p.a.
$200
N/A
Receive $200 credit when you apply online, are approved and spend $1,500 on your card within the first 3 months of membership. Offer is available to new card members only. T&Cs apply. You will also earn 2 Membership Rewards points for every $1 spent on eligible purchases.
LOW RATE
The Co-operative Bank Fair Rate Credit Card
12.95% p.a.
$20
0% p.a. for 6 months
0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% p.a. on both purchases and cash advances.
Q Mastercard
0% for 3 months (changes to 26.69% p.a.)
$50
N/A
Get 3 months zero interest and zero payments on every purchase with no minimum spend required. Ts&Cs apply.
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