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
- Koru Club Membership Savings: Frequent flyers will appreciate the waived NZ$255 joining fee and NZ$145 discount on the 12-month Koru Club membership. This unlocks access to premium airport lounges, adding comfort, space, and convenience to your pre-flight experience.
- Seamless Digital Payment Options: Enjoy fast, contactless payments at checkout using your physical card or by linking it to Apple Pay or Google Pay. Whether you're shopping in-store or on the go, your transactions remain secure, quick, and completely hassle-free.
- Visa Concierge and Exclusive Lifestyle Offers: Access 24/7 assistance with Visa Concierge for travel arrangements, entertainment bookings, or hard-to-find reservations. Plus, benefit from curated Visa Offers & Perks across dining, travel, luxury retail, and events — exclusive to platinum cardholders.
- Dynamic Security Code for Safer Online Shopping: The card features a dynamic CVV code available via the ANZ goMoney app, which updates every 12 hours. This dramatically reduces the risk of online fraud, offering greater peace of mind for your digital purchases.
- Advance Access to Airpoints Dollars: Cardholders may request an advance of up to 200 Airpoints Dollars. This feature is ideal for last-minute travel redemptions or when you’re just short of the points needed for a reward flight.
- Up to 44 Interest-Free Days on Purchases: When you pay your full balance on time, you can enjoy up to 44 days interest-free on purchases. This gives you more flexibility in managing your monthly spending without incurring extra costs.
- Global Acceptance with Full Visa Coverage: As a Visa Platinum card, this product offers international usability with access to millions of merchants worldwide, along with comprehensive fraud protection through Visa’s Zero Liability policy.
Important Considerations Before You Apply
- High Interest Rate: With a purchase interest rate of 20.95% p.a., this card is not ideal for those who tend to carry a balance month to month. To truly benefit from its features without paying hefty interest charges, it’s best suited to individuals who consistently pay their statement in full.
- Income and Credit Criteria May Limit Accessibility: The required minimum credit limit of NZ$8,000 implies that applicants must demonstrate strong financial stability and a regular income. Those with lower earnings or limited credit history may find it challenging to qualify.
- Not All Spending Earns Rewards: It's important to note that not every transaction qualifies for Airpoints Dollars. Exclusions include cash advances, balance transfers, gambling transactions, and business expenses — so understanding what earns rewards is essential to maximize your return.
How to Apply for the ANZ Airpoints Visa Platinum – Step-by-Step Guide
- Step 1: Visit the Official ANZ New Zealand Website: Go to the ANZ homepage and navigate to the Credit Cards section. Select ANZ Airpoints Visa Platinum from the list of available options.
- Step 2: Start Your Application: Click on the “Apply now” button to access the secure online form.
- Step 3: Provide Your Details: Fill in personal information such as name, address, income, and monthly expenses. Be ready to upload proof of income (like payslips) and identification documents.
- Step 4: Join ANZ if You’re Not a Customer: If you don’t yet bank with ANZ, you’ll need to create a profile first through the ANZ goMoney mobile app. Select Not a customer? Join ANZ and follow the prompts.
- Step 5: Attach Required Documents: For international students or temporary residents, additional documentation such as a valid visa and confirmation of enrollment may be necessary.
- Step 6: Submit and Wait for Approval: Once submitted, ANZ will review your application and may contact you for further verification. Upon approval, your new card will be issued and mailed to you.
From its generous rewards structure to its exclusive travel and lifestyle benefits, the ANZ Airpoints Visa Platinum offers strong long-term value — especially for frequent flyers, professionals, and anyone who enjoys leveraging their spending for real-world experiences. When used wisely and strategically, it becomes more than just a payment method — it’s a tool for unlocking global opportunities. Click the button below to access the official ANZ site, explore the full terms, and begin your application with confidence.
