American Express Airpoints Platinum Card
Best for: the fastest Airpoints earn rate, if you spend a lot and clear your balance
Pros
- Fastest Airpoints earn rate of the NZ cards we compare
- Earns Status Points on card spending
- Lounge passes and travel insurance included
Cons
- NZ$195 annual fee
- 2.5% currency conversion fee
- 22.95% p.a. purchase rate
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The American Express Airpoints Platinum Card earns 1 Airpoints Dollar per NZ$70, the fastest rate of the cards we compare, plus Status Points. You pay NZ$195 a year and a 2.5% currency conversion fee.
American Express Airpoints Platinum Card at a glance
| Issuer | American Express |
| Card network | American Express |
| Annual fee | NZ$195 |
| Rewards rate | 1 Airpoints Dollar per NZ$70 spent; 1 Status Point per NZ$250 |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 22.95% p.a. |
| Foreign transaction fee | 2.5% |
| Credit needed | Aged 18 or over, no history of bad debt or payment default, right to work in NZ; self-employed applicants need 18 months of trading |
| Best for | The fastest Airpoints earn rate, if you spend a lot and clear your balance |
Key features
- 1 Airpoints Dollar per NZ$70 spent
- 1 Status Point per NZ$250 spent
- Two complimentary Priority Pass lounge visits a year
- Complimentary domestic and international travel insurance when you pay for your return trip with the card
- Smartphone screen cover up to NZ$500
Pros
- Fastest Airpoints earn rate of the NZ cards we compare
- Earns Status Points on card spending
- Lounge passes and travel insurance included
Cons
- NZ$195 annual fee
- 2.5% currency conversion fee
- 22.95% p.a. purchase rate
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: americanexpress.com · americanexpress.com
How it compares with similar New Zealand cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
American Express Airpoints Platinum CardThe fastest Airpoints earn rate, if you spend a lot and clear your balance |
NZ$195/yr | 1 Airpoints Dollar per NZ$70 spent; 1 Status Point per NZ$250 | None | 2.5% | Aged 18 or over, no history of… | |
ANZLow Rate Visa 4527 9701 3467 0541 VALID THRU 04/30CASEY BROOKS ANZ Low Rate VisaA long, low-rate balance transfer and no-fee overseas spending |
None | None | 1.99% p.a. for the first two years on balance transfers (lim… | 0% | NZ citizen or permanent reside… | |
ASBVisa Flex 4738 8385 9693 4496 VALID THRU 04/29CASEY BROOKS ASB Visa FlexThe lowest purchase rate, with no account fee and no offshore margin |
None | None | None | 0% (no Offshore Service Ma… | Aged 18 or over, NZ citizen or… | |
ASBVisa Light 4217 1332 4539 9683 VALID THRU 02/31MORGAN LEE ASB Visa LightSpreading a large purchase at 0% for six months, with no account fee |
None | None | 0% p.a. for 6 months on any single eligible purchase of NZ$1… | 0% from 15 September 2026… | Aged 18 or over, NZ citizen or… |
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