From annual fees to Card transaction fees, find out all you need to know about Credit Card fees, how they work and how to avoid them.
Types of fees
On some Cards, we charge an annual Card fee, and in return you get richer rewards, features and benefits. The rewards vary from Card to Card. There are also other Credit Card transaction fees and Credit Card fees you should know about.
| Types of fees | Amount |
|---|---|
| Additional Statement Fee | $5 |
Cash Advance Fee (enrolled Card Members only) |
$5.00 per overseas transaction |
| Currency Conversion Fee | 2.5% of the converted amount |
| Dishonour Fee | $25 |
| Late Payment Fee | $25 |
| Record of Charge | $7.50 per copy |
When do we charge you an annual Card fee?
We will charge an annual Card fee within the first statement period as a new Card member, and annually, in the month of your Card Membership anniversary.
Can you choose a Credit Card without an annual fee?
Yes. The American Express Airpoints Card is a no annual fee Credit Card that also allows you to earn Airpoints Dollars™ fast.
What is a Credit Card surcharge?
A surcharge is a fee that a business charges a customer for using a Card to make a purchase. While American Express strongly opposes surcharging, it is not illegal and is a cost that a business can choose to pass on to a customer if they wish.
Discover the Card that earns Airpoints Dollars fast with no annual fee
The American Express
Airpoints Card
- No annual fee
- Earn 1 Airpoints Dollar for every $100 you spend1
- 0% p.a. introductory interest rate on purchases for the first 6 months2
Need to know more about how Credit Cards work?
How do I apply for a Credit Card?
Explore our Personal Cards
Airpoints™
Earn Airpoints
Dollars™ fast
Rewards
Earn points from
everyday spending
No Annual Fee
Card Member benefits
with no annual fee
Membership that gives you more
As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.
1. Air New Zealand Conditions of Carriage and Airpoints Programme Terms and Conditions apply. Visit airnz.co.nz for full details.
2. Offer only available to new American Express Airpoints Card Members who apply and are approved. The 0% p.a. introductory rate applies to purchases for six months commencing the day the account is opened. Any balances transferred including from your existing American Express Card, cash advances and fees are excluded from the 0% p.a. introductory interest rate. At the end of the six-month introductory period, the interest rate for new charges and any remaining balances will revert to the 2017 and subject to change. Visit here for more information.