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472 posts

Ultimate Geek
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  Reply # 2015304 13-May-2018 19:15
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Ah sorry didn't read far enough to see the no fee card wasn't eligible for that.

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  Reply # 2015937 14-May-2018 16:51
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I had this in the past also.  Yep, no catch,  I think if you sign up or 2 or 3yrs if you are a prev amex card holder you get that $50 free airpoints promo if you spend $500 or so in the first few months if that is still running.  I prefer the platinum cards due to the free travel insurance.  For what it is, pretty good.  Not tried with tap and go.  Amex card have a diff way to pay, you do a paymen to their Rabobank account with part of your card number as a reference.  So you don't have an app on the phone and pay from transaction account to your amex.  


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Ultimate Geek
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  Reply # 2015947 14-May-2018 17:48
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All the major the banks have Amex as an official payee so I wouldn't recommend manually inputting any bank account numbers. Just look up American Express and enter the details Amex requires (which the bank will specify). Easy peasy and is much the same as paying credit cards issued by another bank.


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  Reply # 2015949 14-May-2018 17:54
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This is what Amex says .. 

 

 

 




:)
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  Reply # 2020011 21-May-2018 18:30
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So my card arrived.. I've tried it in a few places and had mixed results... I can certainly see why they aren't too popular here in NZ, the experience is all over the place.

 

 

 

One place doesn't ask for a PIN or an account, it just immediately says "please sign"

 

One asked me to swipe my card instead of inserting the chip.

 

One asked for my pin and chip (as expected)

 

One allowed me to select credit and type my pin in, then said "not supported"

 

Not supported for Z FastLane, they only support MasterCard and Visa...

 

 

 

I might look into getting a different credit card before I leave the country. I have a gemvisa I've been paying for and not using, so I might just put that towards a decent Visa backed card.

 

 

 

Edit: fortunately I did have car insurance to pay for, so met the $750 in three months criteria pretty much immediately for the complimentary A$50.

 

 






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  Reply # 2020018 21-May-2018 18:51
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Been a few years now.  I didn't really use wireless payment.  I think I tried it once or twice but it didn't work.  Yes, I certainly couldn't use them everywhere.  I don't go shopping or cafe hopping lots so I am not the best person to answer that but yeah my local (non chainstore) dentist didn't support amex.  Supermarkets did, petrol stations inside did.  Paypal etc .. does.  Even KFC drive thru did with the pin number.  AMP insurance does not.  I was with Snap before 2Degrees and they were also OK with Amex.  Genesis Energy cannot remember.  

 

 

 

In the past many banks did offer Amex like BNZ, Westpac etc .. but I think they pretty much all now only do Visa or MC.  Now it is directly off Amex themselves.  

 

 

 

Kiwibank offers a Master Card Zero.  No fees per year, but no points either.  I've found the Gold cards or Plat cards worth it due to the insurance and if you spend $10k a year you get back your annual fee back so you gain none and you lose none.  


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Ultimate Geek
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  Reply # 2020035 21-May-2018 19:47
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Aaroona:

 

One place doesn't ask for a PIN or an account, it just immediately says "please sign"

 

One asked me to swipe my card instead of inserting the chip.

 

Doesn't match my general recent experience with Amex domestically at various merchants. Interestingly, both of what you describe have happened to me in the past with MC/V cards (both domestically but especially internationally where I always seemed to have to sign sometimes even after inputting a PIN).

 

Wonder if it might be because you have a new card. When I first got my Kiwibank Mastercard I did a paywave transaction at Countdown which I was required to sign for (which was only for about $30-odd) but worked fine afterwards.

 

One allowed me to select credit and type my pin in, then said "not supported"

 

This is typical for NZ EFTPOS terminals. Does that too when the merchant doesn't accept MC/V/etc. Rather annoying because it seems to process the transaction and just as you pray it shows ACCEPTED it fails with some cryptic error message (which seems to vary—most common I've seen is CARD TYPE ERROR). Some terminals seem to be programmed to block the card/account types it doesn't support but doesn't seem to be a common feature.

 

YMMV I guess. It's not a card for everyone.


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  Reply # 2020049 21-May-2018 19:59
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I have this card as well, I like to think of it as getting 1% cash back (1APD = 1NZD, 1APD per $100 spent), and you just force yourself to put that money into savings for travel. The no fee is pretty sweet so I don't worry about not getting any value out of it if I use another card for a stretch of time. 

 

You'll eventually build a mental list of which stores accept it and what ones don't, and get used to saying "Do you take amex?" because apparently, decals at the register indicating what cards a store will take are a thing of the past. 


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