The American Express Airpoints Card combines everyday rewards with NZ$0 annual Card fees. It earns Airpoints Dollars on eligible spending, supports Apple Pay and includes online fraud protection, making it a practical miles credit card for regular purchases.
American Express Airpoints Card: best credit card for earning Airpoints without an annual fee
Card Members earn 1 Airpoints Dollar for every NZ$100 spent on eligible purchases. Those rewards can be used for travel or purchases through the Airpoints Store, giving this credit card for airline tickets clear value for Air New Zealand Airpoints members.
New Card Members can also receive 50 bonus Airpoints Dollars after approval and NZ$750 of eligible spending within the first three months. Combined with no annual Card fee, this credit card sign-up bonus provides extra value from the beginning.
Should I get a credit card from American Express?
American Express was founded in 1850 and operates as a global payments and premium lifestyle company. Its longstanding focus on service, trust and security supports its position among established credit card companies.
The Amex app allows Card Members to manage their accounts, while the Online Fraud Protection Guarantee covers eligible fraudulent transactions. American Express Cards are now welcomed at 75,000 locations, supporting this New Zealand credit card for more everyday spending.
How to get a credit card from American Express?
To obtain the American Express Airpoints Card, you need to:
- Be at least 18 years old.
- Have no history of bad debt or payment default.
- Have the right to work in New Zealand.
- Have traded for at least 18 months if self-employed.
- Have traded for at least 12 months if self-employed and already holding an American Express-issued Card.
- Provide details of your income, expenses and debts.
- Provide proof of annual income and employment.
- Provide your NZ driver licence number if you have one.
Apply for credit card
- Visit the official American Express New Zealand website.
- Select the American Express Airpoints Card.
- Review the Card terms, interest rate and eligibility requirements.
- Start the credit card application online.
- Enter your personal, employment and financial information.
- Upload or provide any supporting documents requested.
- Submit the application for assessment.
- Wait for American Express to provide its decision.
FAQ
How does American Express Airpoints Card interest work?
The Card offers 0% interest credit cards conditions on purchases for the first six months. After this introductory period, the purchase interest rate reverts to 22.95% p.a.
You can receive up to 55 interest-free days on purchases when the applicable conditions are met. The introductory rate excludes balance transfers, cash advances and fees.
How to increase the American Express Airpoints Card limit?
Contact American Express or use the available account management channels to request a limit review. Any increase is subject to the issuer’s assessment and credit card approval criteria.
How to pay off the American Express Airpoints Card?
You can pay your Card bill using the payment methods supported by American Express. Paying the closing balance in full by the due date can help you benefit from the applicable credit card interest-free period.
How to cancel a credit card from American Express?
Contact American Express and request account closure. Before cancelling this Airpoints credit card, pay any outstanding balance and check whether pending transactions or Additional Cards remain linked to the account.