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Travel Credit Cards: Budget-Friendly Picks for July
Compare top cards for travel rewards without breaking the bank
Quick Picks
Best overall: Westpac Airpoints Mastercard.
Best budget: ANZ Airpoints Visa Platinum.
Best for flexibility: American Express Airpoints Card.
Affordable Travel Reward Cards
Finding a travel rewards card that balances affordability with perks can be tricky. Here, we dive into options that won't drain your wallet while still offering valuable travel benefits.
Westpac Airpoints Mastercard
With an annual fee of just $70, the Westpac Airpoints Mastercard is the most affordable card for earning Airpoints in New Zealand. You earn 1 Airpoints Dollar per $150 spent, which is competitive for everyday purchases. However, spend beyond $3,500 a month, and the earn rate halves. This card lacks travel insurance and airport lounge access, but it's a solid choice for budget-conscious travelers who want to accumulate points without extra fees.
ANZ Airpoints Visa Platinum Card
The ANZ Airpoints Visa Platinum, while pricier at a $150 annual fee, offers a higher earn rate and bonus status points. It also includes overseas travel insurance, which can save you money on separate policies. If you travel frequently and want more perks without breaking the bank, this card justifies the higher fee.
If you're seeking flexibility and don't mind a slightly higher interest rate, the next option might suit your needs.
Flexible Travel Reward Picks
Some travelers need more than just low fees—they want flexibility and the ability to earn rewards across a wide range of spending categories.
American Express Airpoints Card
The American Express Airpoints Card offers flexibility in how you earn rewards, though it comes with a $22.95 interest rate. Its strength lies in its wide acceptance and strong customer service, making it a good choice for those who value support and the ability to use their card globally.
When choosing a travel rewards card, it's essential to consider what matters most to you—whether it's low fees, flexibility, or insurance perks. Each option here offers a unique balance. Looking for more tips on travel rewards? Check out our in-depth guide on Travel Rewards Cards for Frugal Flyers for more insights.