More flexibility for your finances. More freedom for you.
Why choose an American Express Credit Card?
Depending on the Card you hold, you’ll earn Membership Rewards points or Airpoints Dollars™ for every dollar you spend. Membership Rewards points can be redeemed for flights, accommodation, gift cards, or paying for purchases you make on your Card. Airpoints Dollars will be automatically transferred into your Airpoints account to use with Air New Zealand.
Turn your everyday spend into travel
With eligible American Express® Cards, you can transfer Membership Rewards points to any of our seven Airline Partner Programmes, such as Air New Zealand, Qantas or Velocity, Or you can use points to pay for any travel booking you make with Webjet or helloworld.
A Credit Card gives you the option to pay the minimum repayment, the full closing balance, or an amount in between.
Use your Card to make purchases for the things you need straight away. Payment doesn’t have to be made until your statement balance is due, helping you to free up your cash flow in the meantime.
Depending on the Card you choose, you can enjoy complimentary Travel Insurance or retail Purchase Protection when you make a purchase with your Card.
Why choose an American Express Charge Card?
Why choose a debit card?
Use money from your bank account for transactions
Use only the money you have available to you in your bank account.
Withdraw money from an ATM
The most common type of debit card is an ATM card which allows you to withdraw money from your bank account via an ATM using your PIN.
Your own money
So the same level of credit checks are not required.
What tools can help you better manage your American Express Card?
There are a range of handy tools that will help you better manage your Credit or Charge Card. Here are a few of them:
Why is building a good credit rating important?
Good credit management and smart spending habits can help with getting approval to borrow in the future.
Some things that credit providers may consider when reviewing your credit file are:
To maintain a good credit history, you should always pay your bills on time. If you are moving, ensure you provide your lenders with your new address and other contact information to avoid late or missed payments.
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.
As an American Express Card Member you can take advantage of more travel benefits, richer rewards and outstanding service, plus 24/7 Global Support.