Credit Cards
To go places, reward yourself, or get on top of your finances, there’s an American Express Credit Card made for you.
What is a Credit Card?
A Credit Card gives you a convenient way to pay for purchases now, by giving you a line of credit that you can pay back later. If you pay your balance in full by the due date, you won’t be charged any interest on the amount you owe. American Express Credit Cards also come with a range of rewards and benefits that you can explore here.
Find the right Credit Card for your lifestyle
Whether you're looking to earn rewards, collect Air New Zealand Airpoints™ or find a Card with low to no annual fees, explore our range of Personal Credit Cards.
Looking for a Business Card instead? Separate business expenses, manage cash flow and access rewards designed for your Business. Explore our range of Amex Business Cards.
The American Express Platinum Card®
Unlock more stories with access to premium travel, hotel, dining and lifestyle experiences. Earn Membership Rewards points and redeem them for gift cards, travel or to pay off eligible purchases.
The American Express Airpoints Platinum Card
Enjoy lounge access and earn AirpointsTM on eligible purchases. This is the fastest Airpoints earning Platinum Card in NZ.
The American Express® Gold Rewards Card
Enjoy Dining Credits and earn Membership Rewards points on your spend. You can redeem points for Gift Cards, travel or to pay off eligible purchases.
The American Express Airpoints Card
Enjoy $0 annual Card fee whilst earning Airpoints™ on your everyday purchases.
The Low Rate Credit Card from American Express®
A no frills, low annual fee Card with a lower interest rate on purchases compared to our other Cards.
American Express Benefits & Rewards
American Express rewards you in so many ways. Here are just some of the benefits you can enjoy as an American Express Card Member.
Rewards Points
Depending on your Card, you can earn Membership Rewards® points or Air New Zealand Airpoints™ on eligible spending. Explore how your rewards can be used towards travel, shopping and other everyday benefits.
Amex Offers
Explore available offers from participating merchants across shopping, dining, travel and entertainment. Eligible Card Members may be able to earn bonus points or receive statement credits when offer requirements are met.
To use the App, you must be registered for Online Services. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc.
Travel with Points
Travel near or far and use points to pay for your trip. Depending on your Card and rewards programme, you may be able to use Membership Rewards points or Air New Zealand Airpoints™ towards travel. Travel benefits and redemption options vary by Card product.
How to Apply
Check the credit limit
A Credit Card limit is set when your application is approved. This is the maximum amount of credit available to you when using your Card. Knowing your credit limit, keeping track of your transactions and making regular payments can help you keep within this.
Check the Credit Card fees
The fees you pay will depend on the type of card you have and how you use it. Some of our cards charge an annual fee in return for richer rewards, features and benefits. This fee is charged in your first month of membership, and then annually in this anniversary month. The types of rewards you can earn and benefits you receive varies from Card to Card.
Research Credit Card fees, including transaction fees and potential surcharges, before you apply.
Check the Credit Card interest rates
When you use a Credit Card, you are borrowing money – and will be charged interest unless you repay the full closing balance within the specified period. Learn about how interest is calculated to help you choose the right card for you.
Find the right Card
Explore our range of Cards to find one that suits your needs.
Looking for a Card for personal spending? Explore our Personal Cards.
Own a small business? Explore our Business Cards.
Find the right Card
Explore our range of Cards to find one that suits your needs.
Looking for a Card for personal spending? Explore our Personal Cards.
Own a small business? Explore our Business Cards.
Check your eligibility
Review the eligibility criteria on the Card details page before applying, including the minimum credit limit for your selected Card.
Check your eligibility
Review the eligibility criteria on the Card details page before applying, including the minimum credit limit for your selected Card.
Complete your application
Have your identification and financial information ready. Most applications take around 10 minutes.
Complete your application
Have your identification and financial information ready. Most applications take around 10 minutes.
Global Card support
Amex support is there for you with help, wherever you are in the world, for whatever you need and whenever you need it. You can call our Customer Service Centre anytime, day or night. Just call the number on the back of your Card.