No annual fee doesn't mean no benefits. Find out if a no annual fee Credit Card is for you
What is an annual fee on a Credit Card?
Some Cards may include a yearly fee that incorporates benefits and services, and the amount you pay will vary from card to card, depending on its reward offering. A Credit Card with no annual fee allows you to enjoy benefits without paying this yearly charge.
Maximise your Airpoint DollarsTM with no Annual Fee
With our no annual fee American Express Airpoints Card, you can earn 1 Air New Zealand Airpoints DollarTM for every $100 you spend on your Card.1 It’s the FASTEST earning AirpointsTM Credit Card without an annual fee.
Top Tip: Putting your everyday spend, such as groceries, fuel, utilities, mobile bills, internet, streaming and subscriptions – as well as your everyday shopping and coffee purchases can quickly add up to more Airpoint Dollars.
For example, $1,000 a month spent on your American Express Airpoints Card, will earn 120 Airpoint Dollars a year towards your next adventure or a treat from one of the Air New Zealand Airpoints’ partners here.
We’ve added thousands of businesses to the American Express network and you can check out some of the everyday places you could be earning Airpoints Dollars at here.
Online Fraud Protection Guarantee
If you do become a victim of fraud, this guarantee means you’re covered against fraudulent transactions made using your Card.2
24/7 Global Assistance
Our global support team are here to help, whenever you need them.
Online account management
Manage your account online whenever you choose. View transactions, schedule payments and set up reminders at your convenience.
Our No Annual Fee Credit Card
The American Express
Airpoints Card
- $0 annual fee
- Earn 1 Air New Zealand Airpoints Dollar for every $100 you spend1
- Redeem your Airpoints Dollars for flights to over 1,300 Air New Zealand destinations in 190 countries3
- 0% on purchases for the first 6 months4
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.
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Earn points from
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Airpoints™
Earn Airpoints
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- Airpoints are earned in accordance with the American Express Airpoints Card Terms and Conditions. Exclusions apply. Eligible purchases do not include cash advances, interest, balance transfers, fees and charges for Traveller's Cheques, Gift Cheques and Foreign currencies or annual Card fees or other fees and charges billed to the Account. These do not earn Airpoints. For the full list of exclusions, please refer to the American Express Airpoints Card Terms and Conditions available here.
- Online Fraud Protection Guarantee. Provided that you do not contribute to or unreasonably delay reporting any misuse of your Account and you have complied with your Card Conditions, you will not be held liable for any unauthorised charges.
- A flight that is ticketed and operated by Air New Zealand and certain airline partner codeshare flights. The full list of Air New Zealand Airpoints partners is available here. Any applicable third party taxes, levies or surcharges can't be paid for with Airpoints Dollars, unless the fare is a New Zealand domestic fare.
- Introductory Rate. Offer only available to new American 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% 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 prevailing interest rate at that time. Interest rates are current as at 1 October 2017 and subject to change. Visit here for more information.