New Zealand has a handful of well-established loyalty programmes worth participating in — some are excellent, some are mediocre. Here’s the full picture and how to stack them effectively.
Quick answer
Airpoints is the most valuable NZ loyalty programme (1 Airpoints Dollar ≈ $1 NZD for flights, no expiry with 18-month activity). At the supermarket, Woolworths Everyday Rewards returns about 0.75% ($15 per 2,000 points) and Foodstuffs' Club+ earns Club+ dollars and a fuel discount; Flybuys closed at the end of 2024. The best strategy: stack your credit card rewards with a loyalty card scan on every supermarket shop — earn twice on the same purchase.
Airpoints is the most valuable NZ loyalty programme (1 Airpoints Dollar ≈ $1 NZD for flights, no expiry with 18-month activity). At the supermarket, Woolworths Everyday Rewards returns about 0.75% ($15 per 2,000 points) and Foodstuffs' Club+ earns Club+ dollars and a fuel discount; Flybuys closed at the end of 2024. The best strategy: stack your credit card rewards with a loyalty card scan on every supermarket shop — earn twice on the same purchase.
NZ Loyalty Programmes at a Glance
| Programme | Best for | Effective earn rate | Expires? |
|---|---|---|---|
| Air NZ Airpoints | Flights, frequent Air NZ users | ~1% (varies by card) | No (18-month activity) |
| Everyday Rewards | Woolworths shoppers | ~0.75% ($15 voucher per 2,000 points) + Boost offers | Check programme terms |
| Club+ | New World, Pak’nSave and Four Square shoppers | Club+ dollars (earned at New World and Four Square) + fuel discount | Check terms |
| Westpac hotpoints | Westpac hotpoints card holders | ~0.5–1% | Check terms |
All Loyalty Guides
| Guide | What it covers |
|---|---|
| Air NZ Airpoints complete guide | Earn, redeem, status tiers, no expiry, best redemptions |
| How much is an Airpoints Dollar worth? | Face value vs actual value analysis |
| Airpoints Credit Cards Compared | Amex Platinum vs ANZ Platinum vs ANZ Visa |
| Flybuys NZ has closed | What happened (closed end of 2024) and what replaced it |
| Westpac hotpoints guide | Earn rate, redemption options, honest value assessment |
| AA Smartfuel has ended | What happened (ended 31 January 2024) and fuel discounts now |
| Woolworths Everyday Rewards guide | Earn and redeem: $15 vouchers usable on groceries or at BP |
| New World Club+ guide | Works at New World, Pak’nSave and Four Square; fuel discount; Airpoints conversion |
| Air NZ Airpoints vs Qantas FF | Which is better for New Zealanders? |
| How to maximise NZ loyalty programmes | Stacking strategies, best combos by retailer |
The Core Principle: Stack Everything
Loyalty programmes cost you nothing to join and nothing to use. Every supermarket shop where you forget to scan your loyalty card is leaving points on the table.
The power of NZ loyalty programmes comes from stacking — earning from multiple programmes simultaneously:
- Scan your loyalty card at the checkout
- Pay with your rewards credit card
- Collect the fuel discount or voucher your supermarket programme gives you
Same shopping trip, multiple reward streams.
Which Programmes Are Worth Joining?
| Programme | Verdict |
|---|---|
| Airpoints | ✅ Always worth joining — Airpoints Dollars are valuable and flexible |
| Everyday Rewards | ✅ Worth joining if you shop at Woolworths |
| Club+ | ✅ Worth joining if you shop at New World, Pak’nSave or Four Square |
| Flybuys, AA Smartfuel, Onecard | ❌ Closed (Flybuys end of 2024; AA Smartfuel 31 January 2024; Onecard replaced by Everyday Rewards on 1 February 2024) |
| hotpoints | ⚠️ Only worth it if you have a Westpac hotpoints card anyway |
Related Credit Card Articles
See the Credit Cards section for detailed reviews of all NZ Airpoints-earning cards, including:
- ANZ Airpoints Visa — most popular Airpoints card
- ANZ Airpoints Visa Platinum — travel insurance included
- Amex Airpoints Platinum — best earn rate + lounges
Banking Section
- Back to Banking home — all banking guides
- Savings Accounts NZ Compared: interest rates and conditions
- Term deposits NZ — guaranteed returns