Learn more about Credit Card fees

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.

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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.

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Types of fees	Amount
Additional Statement Fee	$5
Cash Advance Fee (enrolled Card Members only)	$2.00 per domestic transaction $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
Spark Convenience Fee	2% of the charge

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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

Full Card details

Need to know more about how Credit Cards work?

There are a few things that are useful to know when choosing a Credit Card – from rewards, fees, interest charges and credit limits, to understanding the different Cards available to you.

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Airpoints™

Earn Airpoints
Dollars™ fast

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Earn points from
everyday spending

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No Annual Fee

Card Member benefits
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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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Terms and Conditions

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.

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