Best cards for Air New Zealand Koru points
Ways to build Koru Airpoints with an Australian credit card — cards that earn the currency directly, plus flexible bank points that can transfer in.
Check eligible flying and Australian card-transfer partners using their current conversion rules. Airpoints are not the same unit as a Qantas Point or Velocity Point. A source conflict currently prevents us publishing the NAB conversion calculation.
Earns Koru Airpoints directly
No card in our list earns this currency directly yet.
Flexible points that may transfer in
These earn transferable bank points. Transfer availability and ratios change — confirm with the rewards program before relying on a transfer.
ANZ Rewards Black Credit Card
- Ongoing annual fees
- $375
- Initial points bonus
- Check issuer offer
- Network
- Visa
2 ANZ Reward Points per eligible dollar for the first $5,000 per statement period, then 1. For statements issued on or after 28 November 2026, spending above $50,000 per statement period earns no points. The $375 annual total includes the rewards program service fee.
Last updated
ANZ Rewards Platinum Credit Card
- Ongoing annual fees
- $149
- Initial points bonus
- Check issuer offer
- Network
- Visa
1.5 ANZ Reward Points per eligible dollar for the first $2,000 per statement period, then 0.5. For statements issued on or after 28 November 2026, spending above $25,000 per statement period earns no points. The $149 annual total includes the rewards program service fee.
Last updated
How to pick the right card
- 1.Start with the sign-up bonus.It's usually the biggest points haul of year one — but check the minimum spend and whether you can meet it without buying things you don't need.
- 2.Weigh the earn rate against the annual fee. A higher points-per-dollar rate only pays off if your spend is large enough to outrun the fee.
- 3.Decide: direct or flexible. Earning Koru Airpoints directly is simplest; earning transferable bank points keeps your options open if your plans (or Air New Zealand Koru's value) change.
- 4.Have a redemption in mind.Points are only worth earning if you'll use them — check what Koru Airpoints actually books before you apply.
Frequently asked
- What's the best credit card for Air New Zealand Koru points in Australia?
- No card in our list earns Koru Airpoints directly. The usual approach is a card that earns flexible bank points which can then transfer in, from 2 sources we track.
- Is it better to earn Koru Airpoints directly or transfer points in?
- Direct-earning cards are simpler and lock you into one currency. Cards that earn flexible bank points keep your options open — you can transfer to Air New Zealand Koru or to a different program later — but transfers are one-way and ratios change, so they suit people who value flexibility over simplicity.
- Do sign-up bonuses count toward Koru Airpoints?
- Yes — a card's sign-up bonus is usually the single biggest chunk of points you'll earn in year one, often dwarfing everyday spend. Weigh the bonus (and any minimum-spend requirement) against the annual fee when comparing cards.