A Credit Card with No Annual Fee from American Express

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.

Explore our Personal Cards


Earn Airpoints
Dollars™ fast


Premium benefits
and services


Earn points from
everyday spending