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Travel Rewards Cards: Maximize Savings on Your Next Trip
Compare top travel cards for the best value in 2026
Quick Picks
Best overall: Westpac Airpoints Mastercard.
Best budget: American Express Airpoints Card.
Best for frequent travelers: ANZ Airpoints Visa Platinum.
Best for Budget Travelers
If you're looking to earn rewards without breaking the bank, these cards offer great value for cost-conscious adventurers.
Westpac Airpoints Mastercard
The draw here is the low annual fee of $70, making it the most affordable Airpoints-earning card in New Zealand. It earns 1 Airpoints Dollar per $150 spent, but drops to 1 per $300 after $3,500 monthly spending. It lacks some premium perks but includes up to 55 interest-free days if you pay the balance in full monthly. Compared to its competitors, it offers a solid balance of affordability and rewards, though its purchase interest rate of 20.95% is not ideal for those carrying a balance.
American Express Airpoints Card
What sets this card apart is its no annual fee, making it an excellent choice for those who want to earn Airpoints without any upfront costs. While it doesn't offer as high a rewards rate as the Westpac card, its lack of fees makes it a strong contender for infrequent travelers who still want to earn points on occasional expenses.
If your travel plans are frequent and international, consider cards that offer premium rewards and additional travel benefits.
Best for Frequent Travelers
These cards provide significant perks for those who travel extensively and want to maximize their rewards.
ANZ Airpoints Visa Platinum Card
You'd pick this card if you're a frequent traveler looking for comprehensive benefits. The ANZ Airpoints Visa Platinum offers higher earn rates and includes overseas travel insurance, which could save you significant costs on your trips. While the annual fee is higher than budget options, the added benefits like bonus status points and insurance coverage can offset the additional cost for those who travel often.
For travelers, the key is balancing cost with rewards. The Westpac Airpoints Mastercard offers great value with its low annual fee, while the ANZ Visa Platinum provides additional perks for frequent flyers. Choose based on your travel frequency and spending habits.