American Express Airpoints Card
American Express · active
- Annual fee
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- Purchase APR
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- Cash advance APR
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- Interest-free
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- Min income
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American Express Credit Cards
American Express New Zealand offers premium charge and credit cards with Airpoints and Membership Rewards earn rates that beat most local-bank equivalents. Every figure on this page is sourced verbatim from AMEX's Cardmember Agreement — additional AMEX cards (Gold Rewards, Platinum Charge) are queued for T&C ingest.
Cards
4
4 active
Annual fee
—
Purchase APR
—
T&C ingested
4/4
Last verified
21 May 2026
📋 Provenance promise
Every fact on this page is sourced from American Express's official Conditions of Use PDFs (SHA-256 hashed, 36-month freshness cap). Green chip A = verbatim from T&C. Blue B = issuer website. Amber C = editorial registry, T&C ingest pending. JSON facts API →
Side-by-side comparison — all American Express cards
Updated May 2026. Source-tier badge next to each value links to the original T&C PDF or issuer rates page. Empty cells mean the figure isn't in the ingested T&C — see the per-card sections below for the verbatim quote.
| Card | Annual fee | Purchase APR | Cash advance APR | BT promo APR | BT months | Interest-free days | FX fee | Late fee | Min repayment | Supplementary fee | Replacement fee | Min income |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| American Express Airpoints Card American Express | — | — | — | — | — | — | — | — | — | — | — | — |
| American Express Gold Credit Card American Express | — | — | — | — | — | — | — | — | — | — | — | — |
| American Express Low Rate Credit Card American Express | — | — | — | — | — | — | — | — | — | — | — | — |
| American Express Airpoints Platinum American Express | — | — | — | — | — | — | — | — | — | — | — | — |
Every American Express card — deep dive
Each card with its full fact set; T&C-linked. Tap "View full T&C" to read the verbatim markdown.
T&C ingested
American Express Gold Credit Card
American Express · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
American Express Low Rate Credit Card
American Express · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
American Express Airpoints Platinum
American Express · active
- Annual fee
- —
- Purchase APR
- —
- Cash advance APR
- —
- Interest-free
- —
- Min income
- —
Application requirements — verbatim from American Express
Direct from each card's Conditions of Use. We don't paraphrase eligibility criteria; you read the rule American Express actually applies.
Fees + interest, verbatim from each T&C
No paraphrasing — direct quotes from American Express's Conditions of Use documents. Most NZ comparator sites publish summarised figures; we publish the actual clauses.
American Express Airpoints Card
Interest-free period rulesA
"Except for Cash Advances and Balance Transfers, you don't pay interest on Charges if, every month, you pay the Closing Balance shown on the monthly statement in full by the Minimum Payment Due Date. Interest is always charged on Cash Advances and Balance Transfers, even if you pay the Closing Balance shown on a monthly statement in full by the Minimum Payment Due Date."
Cash advance fee carve-outsA
"Cash Advances refers to cash obtained via the Facility from ATMs operated by any bank or other financial institution that participates in our Express Cash™ Network. The total amount of Cash Advances that you may be advanced or obtain using the Cash Advance Facility is limited to the percentage as stated on the Financial Table accompanying your Card, subject to the available balance on your Account."
Foreign transaction fee carve-outsA
"Unless a specific rate is required by law, conversion rates will be used based on interbank rates that it selects from customary industry sources on the business day prior to the processing date, increased by a single conversion commission as specified on your Financial Table. However you will only be charged one currency conversion fee."
American Express Gold Credit Card
Interest-free period rulesA
"Except for Cash Advances and Balance Transfers, you don't pay interest on Charges if, every month, you pay the Closing Balance shown on the monthly statement in full by the Minimum Payment Due Date. Interest is always charged on Cash Advances and Balance Transfers, even if you pay the Closing Balance shown on a monthly statement in full by the Minimum Payment Due Date."
Cash advance fee carve-outsA
"The total amount of Cash Advances that you may be advanced or obtain using the Cash Advance Facility is limited to the percentage as stated on the Financial Table accompanying your Card, subject to the available balance on your Account. In addition, a periodic transaction limit, stated in the Financial Table, applies to all Cash Advances."
Foreign transaction fee carve-outsA
"If the Charge is in U.S. dollars it will be converted directly into New Zealand dollars. In all other cases, it will first be converted into U.S. dollars and then into New Zealand dollars. However you will only be charged one currency conversion fee."
American Express Low Rate Credit Card
Interest-free period rulesA
"Except for Cash Advances and Balance Transfers, you don't pay interest on Charges if, every month, you pay the Closing Balance shown on the monthly statement in full by the Minimum Payment Due Date. Interest is always charged on Cash Advances and Balance Transfers, even if you pay the Closing Balance shown on a monthly statement in full by the Minimum Payment Due Date."
Cash advance fee carve-outsA
"The total amount of Cash Advances that you may be advanced or obtain using the Cash Advance Facility is limited to the percentage as stated on the Financial Table accompanying your Card, subject to the available balance on your Account."
Foreign transaction fee carve-outsA
"Unless a specific rate is required by law, conversion rates will be used based on interbank rates that it selects from customary industry sources on the business day prior to the processing date, increased by a single conversion commission as specified on your Financial Table. However you will only be charged one currency conversion fee."
American Express Airpoints Platinum
Interest-free period rulesA
"Interest will not be charged on purchases and you will have an interest grace period for purchases of 25 days from the statement date on your statement to the payment due date (due date) if every month we receive payment in full by the due date. Interest is always charged and there is no interest grace period for cash advances and balance transfers, even if we receive payment in full by the due date."
Cash advance fee carve-outsA
"Participating financial institutions and ATM operators may also impose their own limits and restrictions on cash advances such as limits on the number of cash advances, the amount of each cash advance and access to and available services at ATMs."
Foreign transaction fee carve-outsA
"If charges are converted by third parties prior to being submitted to us, any conversions made by those third parties will be at rates and may include a commission selected by them. Any currency conversion commission charged on the original purchase is not refunded. However, we do not charge an additional currency conversion commission on the refunded amount."
Rewards mechanics — direct from each T&C
Earn-rate and partner-program rules. Quoted directly from American Express's Conditions of Use — no marketing-page paraphrase.
American Express Airpoints Card
Rewards mechanicA
"Card Members may enrol in either Membership Rewards (points-based, annual fee may apply) or MoneyBack (annual rebate credited based on eligible purchases)."
Earn rate summaryA
"A MoneyBack annual rebate based on the amount of all eligible Purchases that you make with the Card will be credited to you by us. See your Financial Table for details. An annual fee may apply for the Membership Rewards Programme. Separate terms and conditions apply and will be sent to you upon enrolment or on request."
Partner programsA
Membership RewardsMoneyBack
Point expiry rulesA
"No rebate payment will be credited if, before the end of the anniversary period your Card has been closed or cancelled."
American Express Gold Credit Card
Rewards mechanicA
"Card Members may enrol in Membership Rewards (points-based, separate terms apply) or MoneyBack (annual rebate credited based on eligible Purchases)."
Earn rate summaryA
"A MoneyBack annual rebate based on the amount of all eligible Purchases that you make with the Card will be credited to you by us. See your Financial Table for details. An annual fee may apply for the Membership Rewards Programme. Separate terms and conditions apply and will be sent to you upon enrolment or on request."
Partner programsA
Membership RewardsMoneyBack
American Express Low Rate Credit Card
Rewards mechanicA
"Card Members may enrol in Membership Rewards (points-based) or MoneyBack (annual cashback rebate on eligible purchases credited to the account)."
Earn rate summaryA
"A MoneyBack annual rebate based on the amount of all eligible Purchases that you make with the Card will be credited to you by us. See your Financial Table for details."
Partner programsA
Membership RewardsMoneyBack
Your dispute + chargeback rights
What happens if a transaction is wrong, your card is stolen, or you can't resolve a dispute with American Express. Verbatim from each card's Conditions of Use — the actual rules, not a summary.
American Express Airpoints Card
- External dispute scheme
- fsclA
- Lost-card liability cap
- $50A
- Unauthorised transaction rulesA
- "Where you have notified use under the 'Notify us immediately' section above, you will not be liable for any fraudulent Charges made after we receive notice, and in any case your maximum liability for fraudulent Charges shall be limited to $50, provided that neither the Primary nor any Additional Card Member has been in any way involved in or benefited from the fraud, theft or misuse of the Card. You will not be held liable for any unauthorised Charges resulting from the use of your PIN which occur before you have received the Card or your PIN, or which occur after you notify us of a loss, theft or suspected unauthorised use of the Card or PIN."
American Express Gold Credit Card
- External dispute scheme
- fsclA
- Lost-card liability cap
- $50A
- Unauthorised transaction rulesA
- "Where you have notified use under the 'Notify us immediately' section above, you will not be liable for any fraudulent Charges made after we receive notice, and in any case your maximum liability for fraudulent Charges shall be limited to $50, provided that neither the Primary nor any Additional Card Member has been in any way involved in or benefited from the fraud, theft or misuse of the Card. You will not be held liable for any unauthorised Charges resulting from the use of your PIN which occur before you have received the Card or your PIN; or which occur after you notify us of a loss, theft or suspected unauthorised use of the Card or PIN."
American Express Low Rate Credit Card
- External dispute scheme
- fsclA
- Lost-card liability cap
- $50A
- Unauthorised transaction rulesA
- "Where you have notified use under the 'Notify us immediately' section, you will not be liable for any fraudulent Charges made after we receive notice, and in any case your maximum liability for fraudulent Charges shall be limited to $50, provided that neither the Primary nor any Additional Card Member has been in any way involved in or benefited from the fraud, theft or misuse of the Card. You will not be held liable for any unauthorised Charges resulting from the use of your PIN which occur before you have received the Card or your PIN, or which occur after you notify us of a loss, theft or suspected unauthorised use of the Card or PIN."
American Express Airpoints Platinum
- Chargeback window
- 30 daysA
- External dispute scheme
- otherA
- Unauthorised transaction rulesA
- "For unauthorised charges, provided that you and any Supplementary Cardmembers complied with this agreement including the section 'Use of Your Card(s)/Codes' and provided that you or any Supplementary Cardmember did not contribute to, were not in any way involved in or did not benefit from the theft, loss or misuse of the Card, then you will not be liable to us for any unauthorised charges after we receive notice from you unless you have delayed notifying us, in which case you will be liable for all unauthorised charges until you did notify us."
If American Express can't resolve your dispute: contact the external dispute scheme listed on your card (typically the Banking Ombudsman Scheme) — free for consumers. CCCFA breaches can be reported to the Commerce Commission. Free budgeting help: FinCap 0800 345 123.
Frequently Asked Questions
Each American Express card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with American Express directly, every American Express card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to American Express's own T&C document.
Every card fact on this page is sourced from American Express's official Conditions of Use PDFs. The most recent ingestion was on 21 May 2026. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.
Every figure on this page is traceable to American Express's publicly published Conditions of Use document. We download the PDF, hash it with SHA-256, extract the markdown content, and run a structured-data extractor (49-field schema) to capture annual fees, interest rates, fee schedules, dispute rights, and eligibility criteria. The source URL for each fact is reachable via the small green chip next to each value. 4 of 4 American Express cards currently have their T&C ingested.
3 of American Express's credit cards run a rewards mechanic. We publish each card's earn-rate summary verbatim in the "Rewards mechanics" section below — direct quotes from American Express's T&C so you can read the actual rules rather than a paraphrased summary.
No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.
The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every American Express T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).
See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific American Express cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.
How we keep this page current
- Source: American Express's official Conditions of Use PDFs (downloaded with browser user agent — NZ bank CDNs reject bot UAs).
- Hash: Every ingested PDF gets a SHA-256 hash so we can detect document-level changes between versions.
- Extract: Haiku 4.5 produces verbatim markdown; Sonnet 4.6 extracts a 49-field structured fact set against a Zod schema.
- Freshness cap: 36 months on source-document date — any fact older than that is automatically excluded from the page.
- Provenance: Every cell on this page links to the source PDF (or issuer page) for that specific fact.
- Open data: See /api/issuer/american-express/facts.json for the structured fact dump, or /api/card/amex-airpoints/wording.md for a verbatim T&C example.
Compliance + scope
This page publishes facts, not advice. We don't claim any card is "best" without disclosed methodology, and we don't carry CCCFA-prohibited marketing language ("guaranteed approval", "lowest rate", "no credit check", "anyone can qualify"). For one-on-one advice, see a licensed Financial Advice Provider — we are not a FAP.
Rewards program names are trademarks of their respective owners (Airpoints® Air New Zealand, True Rewards® ANZ, Hotpoints® Westpac, Fly Buys® Loyalty New Zealand).
Visit American Express's credit card page →