The American Express Airpoints Credit Card


Interest Rate on Purchases
0 % p.a.
for 6 months
(reverts to 19.95% p.a.)
No Annual Fee Ever
$0p.a.
Interest Free Days on Purchases
up to55 days

Earn 50 bonus Airpoints Dollars™

They are all yours when you apply, are approved and spend $750 on your Card in the first three months. Add to this the 0% on purchases and you have a great offer!

  • Standard Interest Rate
    19.95% p.a.
  • Annual Fee
    $0 p.a.
  • Interest Free days
    up to 55 days
  • Minimum Income
    $35,000 p.a.
  • Card Type
    AMEX
  • Available to Temporary
    No
  • Joint Application
    No


Secure online application


  • Clicking the Apply Now button will take you to your Online Application on the bank's website.
  • Your application will take less than 10 minutes to complete
  • Once approved, you will receive your credit card usually within 1-2 weeks

Review of the American Express Airpoints Credit Card

When it comes to credit cards, there’s no such thing as a free lunch. If you want the good stuff – the features and rewards – you have to pay for the privilege with an annual fee. But, what’s this? It seems to be a genuine rewards card that charges no annual fee, ever.

Yep, that’s exactly what the American Express Airpoints Card is. In fact, it’s the only credit card in New Zealand with no annual fee that earns Airpoints. And if that wasn’t enough, the card also has a great introductory offer of 0% p.a. on purchases for the first six months, plus 50 bonus Airpoints Dollars™ on sign-up.

Want to know more? Let’s look a little closer.


What we love

One of the biggest drawcards of the American Express Airpoints Card has to be its no annual fee. In terms of other standard rewards cards that earn Airpoints, you’ve got the ANZ Airpoints Visa and the Kiwibank Airpoints Standard MasterCard both with an annual fee of $65.

As for platinum versions, such as the American Express Airpoints Platinum Credit Card, you’re looking at an annual fee of $195. Yes, the platinum cards offer more features, but we’re still pretty impressed with what the American Express Airpoints Card offers for that no annual fee.

First up, rewards. You can earn 1 Air New Zealand Airpoint for every $100 you spend on your card, so even your everyday spending starts building those points. As an intro offer, you also earn 50 bonus Airpoints Dollars™ when you spend $750 on your card in the first three months. On top of that, you can earn bonus Airpoints when shopping at airnz.co.nz.

The other awesome part to that intro offer gives you an interest rate of 0% p.a. on purchases for the first six months. This is ideal, say if you wanted to buy something big on your card and pay it off before that intro period ends. Bear in mind, you also get up to 55 days interest free on purchases for the life of the card.

Lastly, as it’s an American Express card, you can enjoy access to a range of AmEx features, such as easy account access, handy tools, an Online Fraud Protection Guarantee and Global Card support.


What’s not so great

At the end of the intro period, the purchase rate reverts to 19.95% p.a., so new purchases and any balance that has not been paid off will start accruing interest at that rate. To avoid this, you need to ensure all balances are paid off by the end of the intro period, and then pay off the balance of the card at the end of each month.

It’s also worth pointing out that this 19.95% p.a. standard rate is not all that bad compared to other rewards cards on the market. The ANZ and Kiwibank cards mentioned above currently attract 20.95% p.a. on purchases.


Why should you choose this card?

If you want to earn Airpoints on your everyday spending – without having to pay an annual fee – the American Express Airpoints Card is well worth looking in to. It has a great intro offer on purchases and points, and it allows you to earn a decent amount of points on an everyday basis.

If you want to increase your points-earning potential, you can earn points faster by giving trusted family members (who are over 18) supplementary cards. There’s no limit to the number of Airpoints you can earn, as long as your account is current and in good standing. Then, as long as you pay off the balance each month, you’re onto a pretty sweet deal.


Overall Rating

Great rewards card for minimal payout in terms of annual fees. Take advantage of the intro offer and pay off the balance to avoid paying out in interest. Could definitely be a winner for the right type of cardholder.

Fly higher with 50 bonus Airpoints Dollars™, earn bonus points on eligible spending.

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 p.a. annual fee, up to 55 days interest free on purchases and a competitive purchase rate. If you are looking for a rewards card without having to pay an annual fee, this could be a card for you.


Some Benefits of the American Express Airpoints Card

  • Earn rate on Airpoints Dollars™

    For every $100 you spend on your card you will earn 1 Air New Zealand Airpoints.

  • No Annual Fee Ever!

    This is the first (and only) credit card in New Zealand with no annual fee that earns Airpoints.


Pros

  • Earning Airpoints on everyday purchases.
  • Earn bonus Airpoints when shopping at airnz.co.nz
  • Earn Airpoints Dollars faster by getting a Supplementary Card for friends and family
  • No annual fee - the only no annual fee credit card in NZ that earns Airpoints.

Cons

  • High interest rate of 19.95% p.a. for purchases.

The American Express
Airpoints Card

Apply now

How to apply for the American Express Airpoints Card

If you are interested in applying for the American Express Airpoints credit card and are ready to stop paying an annual fee on your credit card, then it is as easy as clicking the 'apply now' button to be redirected to the online application form. Take a look at the application criteria and what you need to apply:



Application criteria

Make sure you meet the following criteria before you apply:

  • You and your supplementary cardholders must be over the age of 18
  • You have no history of bad debt or payment defaults
  • You need to be a permanent resident of New Zealand
  • You need to have an annual pre-tax income of $35,000 or more

Required information

  • Financial information, including details of your existing cards
  • Employment details
  • Your accountant's contact information (if you are self-employed)

The American Express Airpoints Card offers a low cost way to enjoy the benefits of a rewards credit card. With $0 p.a. annual fee, up to 55 interest-free days and the ability to add supplementary cardholders for no extra cost, you can spend with ease and earn Airpoints Dollars. If this card sounds like it's right for you, hit apply now to get the application process started. It will take less than 10 minutes to complete.

The American Express Airpoints Card