Kiwibank Air New Zealand Airpoints Platinum Visa: Check everything you need to know

04/14/2025 • Bruno Anderson • Financial Education

If you are a frequent flyer and a loyal fan of Air New Zealand, the Kiwibank Air New Zealand Airpoints Platinum Visa might just be the financial product to elevate your travel game.

One of its most compelling features is the ability to earn Airpoints Dollars on your everyday spending.

This credit card accepts applicants who might have faced financial difficulties in the past, making it accessible even to those with a less-than-perfect credit history.

Earn Airpoints Dollars to redeem for Air New Zealand flights and other travel perks.
Acquire Status Points to climb your way up to Air NZ Elite status.
Enjoy overseas travel insurance for peace of mind during your trips.
Leverage the card's Visa global acceptance for seamless transactions worldwide.
Benefit from exclusive discounts on Koru memberships.

This guide will delve into the complete details of the Kiwibank Air New Zealand Airpoints Platinum Visa.

Benefits of the Kiwibank Air New Zealand Airpoints Platinum Visa

The Kiwibank Air New Zealand Airpoints Platinum Visa is packed with features designed to cater to the needs of frequent travelers and those who wish to optimize their financial rewards through daily spending.

Here are some of the significant benefits this card offers:

Airpoints Dollars

Earn 1 Airpoints Dollar for every $115 spent on the card. These can be redeemed for Air New Zealand flights, Koru memberships, and more.

Status Points

Accumulate 1 Status Point per $200 spent, helping you to achieve the esteemed Air NZ Elite status.

Travel Insurance

Benefit from up to 40 days of comprehensive overseas travel insurance, covering cardholders and their immediate families.

Koru Membership Discount

Enjoy a 50% discount on a one-year individual Koru membership, giving you access to Air NZ's premium airport lounges.

Global Acceptance

Use the card worldwide wherever Visa is accepted, making it a versatile choice for international travelers.

Who Should Consider This Card?

The Kiwibank Air New Zealand Airpoints Platinum Visa is specifically targeted at individuals who frequently travel with Air New Zealand and are looking for a rewards card that complements their travel needs.

This card is well-suited for:

Frequent flyers of Air New Zealand looking to maximize their Airpoints Dollars.
Travelers seeking comprehensive travel insurance coverage.
Individuals aiming to gain or maintain Air NZ Elite status.
Consumers who value access to premium services such as Koru lounges.
Even those with a less-than-perfect credit score looking to rebuild their financial standing.

If you regularly spend on travel-related expenses and are loyal to Air New Zealand, this credit card could offer significant rewards that align with your lifestyle.

Pros and Cons of the Kiwibank Air New Zealand Airpoints Platinum Visa

When considering a financial product such as the Kiwibank Air New Zealand Airpoints Platinum Visa, it is essential to weigh both the benefits and drawbacks.

Here, weve compiled a detailed list of pros and cons to assist in your decision-making process.

Pros

Inclusion of Travel Insurance
The card includes comprehensive travel insurance, adding value for frequent travelers.
Earn Status Points
Status Points accumulation aids in achieving higher tiers within the Air NZ loyalty program.
Koru Membership Discount
Provides a substantial discount on a one-year Koru membership for access to premium airport lounges.

Pros

High Annual Fee
The annual fee of $180 might be prohibitive for some users.
Lower Rewards Compared to Competitors
Earns about 40% fewer Airpoints than some competitive cards like AMEX.
$5,000 Minimum Credit Limit
The high credit limit requirement might not be suitable for all potential applicants.

Why We Recommend the Kiwibank Air New Zealand Airpoints Platinum Visa

At Moneylova, we understand the importance of finding the right financial tools that align with your lifestyle and goals.

The Kiwibank Air New Zealand Airpoints Platinum Visa is a notable option for New Zealands frequent travelers for several reasons:

The reward system is tailored for Air New Zealand travelers, making it ideal if you frequently fly with the airline.
The inclusion of travel insurance adds significant value, making your trips more secure and cost-effective.
Despite the high annual fee, the accumulation of Airpoints Dollars and Status Points offers long-term benefits for airline loyalty members.

How to Apply for the Kiwibank Air New Zealand Airpoints Platinum Visa

Applying for the Kiwibank Air New Zealand Airpoints Platinum Visa is straightforward and can be done through several channels.

If you are considering this card, follow these steps to get started with your application.

Access to the bank website

Visit the Kiwibank website: [Kiwibank Airpoints Cards](https://www.kiwibank.co.nz/personal-banking/credit-cards/airpoints-credit-cards/)
Call 0800 113 355 for direct assistance from their customer service team.
Alternatively, visit a Kiwibank branch for in-person assistance.

Frequently Asked Questions

How much is the account fee?

The account fee is $180 annually, which can be broken down to $90 every six months.

What is the earning rate for Airpoints and Status Points?

You earn 1 Airpoints Dollar for every $115 spent and 1 Status Point per $200 spent.

How do I redeem Airpoints Dollars?

You can redeem Airpoints Dollars for flights, Koru memberships, or through the Airpoints Store.

Final Considerations

In summary, the Kiwibank Air New Zealand Airpoints Platinum Visa is a compelling choice for frequent Air New Zealand travelers who enjoy the added perks of reward programs.

While it involves a high annual fee and certain limitations, the benefits like travel insurance and the ability to earn airline loyalty points can outweigh these drawbacks.

Stay informed with Moneylova for more insights on financial products that best meet your lifestyle needs.