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Top Airpoints Credit Cards: Budget vs Premium Options
Explore the best Airpoints credit cards for travel in 2026. Compare annual fees, reward rates, and sign-up bonuses to find the right fit for your spending habits.
Quick Picks
Best overall: ANZ Airpoints Visa Platinum.
Best budget: Westpac Airpoints Mastercard.
Best for everyday spending: American Express Airpoints Card.
Budget-Friendly Airpoints Cards
For those who prioritize affordability without compromising on rewards, budget-friendly Airpoints cards offer a great balance. These cards allow you to earn Airpoints Dollars on everyday spending while keeping the annual fees low.
Westpac Airpoints Mastercard
Westpac Airpoints Mastercard stands out for its low $70 annual fee, making it the most affordable choice for earning Airpoints in New Zealand. It offers a solid 1 Airpoints Dollar per $150 spent up to $3,500 per month, then 1 per $300. However, the 20.95% purchase interest rate means it's crucial to clear balances monthly to maximize savings.
ANZ Airpoints Visa Platinum Card
ANZ Airpoints Visa Platinum offers a higher earn rate and perks like overseas travel insurance, but its $150 annual fee is double that of the Westpac card. With an interest rate on purchases at 20.95%, it's best suited for those who can leverage the travel benefits and pay off balances promptly.
If you're willing to pay a bit more for added benefits, the next card enhances your travel experience with premium features.
Premium Travel Rewards Cards
For serious travelers, premium cards provide enhanced benefits such as higher earn rates, travel insurance, and exclusive perks. These cards are ideal for frequent flyers who want to maximize their rewards.
American Express Airpoints Card
The American Express Airpoints Card offers competitive earn rates and access to exclusive Amex perks. With a $22.95 interest rate, it's vital to clear your balance monthly to avoid high interest costs. Its benefits are tailored to frequent travelers who value premium services and experiences.
Choosing the right card depends on your travel habits and spending patterns. For a deeper dive into Airpoints cards, check out our detailed comparison in Comparing the Top Airpoints Credit Cards for Travelers.