Dive into the features that make this card stand out—and the important factors to evaluate before applying. This card offers a powerful mix of travel perks, insurance, and rewards, but it’s essential to ensure it aligns with your spending habits and lifestyle. From its industry-leading Airpoints Dollar™ earn rate to its premium travel protections, it brings value to frequent flyers and dedicated Air New Zealand customers. Still, eligibility requirements, the annual fee, and proper use (such as paying your balance in full monthly) are important to consider when deciding if this card is right for you.
Extra Benefits That Truly Set This Card Apart
- Smart and Intuitive Amex App: The American Express App gives you real-time control over your finances. From tracking spending, setting alerts, viewing your Airpoints Dollars™, to paying your bill from anywhere—it’s designed for convenience, transparency, and a smarter way to manage your card on the go.
- Accepted Where It Matters Most: With more than 75,000 merchants across New Zealand now accepting American Express—ranging from everyday essentials like supermarkets and fuel stations to restaurants, retail, and online stores—you’ll have plenty of opportunities to earn rewards effortlessly.
- Instant Card Number Access: Once approved, you don’t need to wait for your physical card to arrive. You can access your card details instantly via the Amex App, allowing you to start shopping and earning Airpoints Dollars™ the same day.
- Global American Express Experiences: Enjoy exclusive access to ticket presales, luxury events, dining offers, and local experiences with Amex Offers and American Express Invites™—perks that bring lifestyle and entertainment to a whole new level.
- Emergency Card Replacement Worldwide: Whether you're in New Zealand or halfway across the globe, American Express provides fast and secure emergency card replacement services, helping you stay protected and on the move, no matter what happens.
- Fraud Protection and Purchase Security: All your transactions are protected with 24/7 fraud monitoring and Amex’s robust security features, including Purchase Protection on eligible items, giving you peace of mind with every swipe or tap.
Consider These Points Before You Apply
- Annual Fee: The card comes with a $195 annual fee. For frequent flyers and high spenders, the benefits easily outweigh the cost—but for occasional travelers, the fee may not deliver as much value.
- High Interest Rate on Purchases: With a purchase interest rate of 22.95% p.a., carrying a balance month to month can be costly. This card is best suited for those who pay their full balance on time.
- Eligibility Requirements: Applicants must be at least 18 years old, have a clean credit history, and legal work rights in New Zealand. If self-employed, you’ll need to show at least 12–18 months of trading history or be an existing Amex cardholder.
- Lounge Access Requires Activation: Although you receive two complimentary entries to lounges, including Priority Pass™ and Centurion®, you must enrol in advance to access the benefit. Don't skip this step!
- Smartphone Insurance Coverage Limits: The complimentary smartphone insurance covers screen repairs only, with a maximum benefit of $500 per year and a 10% excess. It’s a helpful perk, but not a substitute for comprehensive device insurance.
How to Apply for the American Express Airpoints Platinum Card
- Visit the Official Amex New Zealand Website: Go to the "Credit Cards" section and select “American Express Airpoints Platinum Card” for more details.
- Click “Apply Now”: You’ll be directed to the secure online application form.
- Prepare Your Documentation: Have your proof of income, employment details, list of monthly expenses, debts, and your NZ driver’s licence (if available) on hand.
- Fill Out the Online Form: Complete the form accurately—it should take about 10 to 15 minutes. Double-check your information before submitting.
- Submit and Await a Response: After submission, American Express will review your application and notify you of the outcome, often within minutes.
If you’re ready to transform everyday spending into upgraded seats, priority check-ins, and lounge access, the American Express Airpoints Platinum Card could be your ideal travel companion. It offers elite-level benefits for those who know how to use them. With generous earning potential, global privileges, and comprehensive protection, it’s not just a card—it’s a passport to a smarter, more rewarding lifestyle. Click the button below to apply now and begin your journey with Amex.
