Kiwibank Air New Zealand Airpoints Low Free Visa: See everything you need to know

04/07/2025 • Yago Dias • Financial Management

The Kiwibank Air New Zealand Airpoints Low Fee Visa is a popular choice among New Zealanders looking to earn travel rewards without breaking the bank.

This card is not only wallet-friendly but also a smart option for individuals interested in accruing Airpoints Dollars efficiently.

More importantly, it caters to a broad audience, including those with less-than-perfect credit histories.

Offering a low annual fee compared to many rewards cards, the Airpoints Low Fee Visa ensures that gaining travel perks is accessible and affordable.

Earn 1 Airpoints Dollar per $200 spent
Low annual fee of $50, charged as $25 bi-annually
No expiration of Airpoints Dollars with an active card
Allows credit-challenged applicants
Exclusive Visa Entertainment benefits

Join us as we dive into the many features, benefits, and details of the Kiwibank Air New Zealand Airpoints Low Fee Visa, a card that takes you further for less.

Unlock Soaring Benefits with Kiwibanks Airpoints Low Fee Visa

The Kiwibank Air New Zealand Airpoints Low Fee Visa offers a range of benefits designed to enhance your spending power while earning valuable travel rewards.

Here’s a closer look at what makes this card stand out.

Generous Earn Rate

The card allows you to earn 1 Airpoints Dollar for every $200 spent on eligible purchases, increasing your reward-earning efficiency.

Affordable Annual Fees

With an annual fee of only $50, which is split into two $25 semi-annual payments, you save more while enjoying the benefits of a rewards card.

No Expiration of Airpoints

Your accumulated Airpoints Dollars remain valid as long as you maintain an active Airpoints credit card.

Advanced Rewards Access

Benefit from Airpoints Dollars Advance, allowing up to 100 Airpoints Dollars in advance, along with a Top-Up Option for additional purchases.

Exclusive Entertainment

Visa Entertainment unlocks a world of exclusive experiences and events, providing added value beyond travel rewards.

Who Should Consider the Airpoints Low Fee Visa?

If you are wondering whether the Kiwibank Air New Zealand Airpoints Low Fee Visa suits your needs, heres who will benefit the most from this rewarding card.

Frequent travelers seeking affordable Airpoints accumulation
Individuals with less-than-perfect credit histories
People who enjoy exclusive entertainment perks
Budget-conscious consumers interested in travel benefits
Consumers looking for flexible reward usage

Whether you are a seasoned traveler or just getting started, the Airpoints Low Fee Visa from Kiwibank offers an economical path to earning rewards.

Pros and Cons of the Airpoints Low Fee Visa

To make an informed decision, its important to weigh the pros and cons of Kiwibank’s Airpoints Low Fee Visa. Here’s what to consider:

Pros

Low Annual Fee
Enjoy a vastly more affordable option compared to other credit cards in the Airpoints program.
Flexible Reward Use
Airpoints Dollars are redeemable for flights, car rentals, and goods without restrictions.
No Expiry on Airpoints
Your rewards are not limited by time, encouraging accumulation.
Suitable Earn Rate
The $200 threshold for earning Airpoints suitable for regular and budget-conscious spenders.

Pros

Higher Interest Rate
An interest rate of 16.90% p.a. can be burdensome if balances are carried month-to-month.
Limited Elite Benefits
No accumulation of Status Points, certain frequent flyers may desire more advantageous status perks.

Why We Recommend the Kiwibank Airpoints Low Fee Visa

At Techcoine, we believe the Kiwibank Air New Zealand Airpoints Low Fee Visa is a fantastic option for anyone looking to make the most of their spending without high fees.

This card shines for its simplicity and value within the crowded rewards card market.

Here’s why Techcoine endorses this card: