Point Hacks Credit Card Guide

Flight Centre Mastercard Guide

The Flight Centre Mastercard allows you to earn Flight Centre Rewards points on spend, which can then be redeemed for various products and services at Flight Centre.

In addition, using the card for overseas spend incurs no transaction fees. The card is the first in New Zealand to offer this benefit.

Card Details

Card Details

CardFlight Centre Mastercard
Loyalty programFlight Centre Rewards (FCR)
Rewards earn rate2 FCR per $100 spent in-store or online at a New Zealand Flight Centre store

1 FCW per $100 spent everywhere else
Points cap and expiryFCR are uncapped, but expire 3 years after they are earned
Excluded transactionsCash advances, balance transfers, fees, interest charges & quasi-cash transactions
Travel benefitsBoingo Wi-Fi for Mastercard cardholders
Annual fee$50 p.a., $25 charged on opening and every 6 months thereafter
Supplementary cardholdersUp to four free supplementary cardholders
Overseas transaction fee0%

Digging into the benefits of the Flight Centre Mastercard

You’ll earn 2 Flight Centre Rewards per $100 on eligible spend at Flight Centre, and 1 Flight Centre Reward per $100 everywhere else uncapped.

There is no advertised minimum income requirement.

Flight Centre Rewards can be redeemed on any on any airline, hotel, tour, cruise, car hire or sightseeing products or services offered at Flight Centre. This is automatic – simply use your card to pay in-store or online, and the Rewards will automatically credit your account.

Any unused Flight Centre Rewards will expire 3 years after the date they are earned.

Boingo Wi-Fi benefit

You can stay connected while travelling thanks to Boingo Wi-Fi for Mastercard Cardholders, provided by Flight Centre Mastercard.

It is a benefit befitting of a travel-agent branded credit card, being the only Mastercard product in New Zealand to offer this feature.

This very handy benefit gives you unlimited access to over one million Wi-Fi hotspots around the world – including here in New Zealand – on up to four devices, at no added cost.

If you’ve already got the card, you can get started simply by registering through the Boingo Wi-Fi site. You’ll just need to provide your Flight Centre Mastercard number, and once that’s confirmed, fill out a short registration form.

But what about Airpoints?

The Flight Centre Mastercard offers a rewards program that is not too dissimilar from Air New Zealand Airpoints.

It is easy to compare value between the programs on a strict dollar value basis – 1 Flight Centre Reward and 1 Airpoints Dollars both equal $1 NZD on flight redemptions.

However, a key advantage with the Flight Centre Mastercard is that you are not restricted to redeeming points with Air New Zealand and their partners.

You will also continue to earn standard points and status on bookings made with Flight Centre, plus further Flight Centre Rewards on any remaining cash portion of the booking.

Summing up: the Flight Centre Mastercard

This card is a good option for those looking for an alternative to the Airpoints program, but with more flexibility of where you can redeem points.

The 0% international transaction fee and free Boingo W-Fi are also great features, with both being New Zealand firsts.

Flight Centre Mastercard Guide was last modified: September 19th, 2018 by Daniel Kinnoch

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Comments Expand Comments

  1. Mark Roland

    Hi , I got the MasterCard in 2016 for the trip we did to USA but found that every time I withdrew say US$200 ,I was NZ$300 less on card so I contacted Flightcentre MasterCard and eventually got to speak to someone, they couldn’t explain or understand the problem. I have since traveled again and Flight centre have not once asked or offered to use the points towards anything. Not all that is good with this card.

  2. Chantal

    I was drawn to this card because of the no conversion fees, but it is abysmally managed compared to every other credit card I’ve had.

    I’ve been charged interest when I had in fact paid the full balance. I make bookings through Flight Centre purely for the sake of redeeming my points (which involves an additional $50-60 fee and far more inconvenience than simply booking direct through the airline), and they promise the points redemption will be automatic, but it is not. I have never been able to redeem my points without spending hours on the phone with them to make them do it. In short, it’s been a huge amount of hassle to make the points system actually work. I don’t know whether it is bad management or a deliberate tactic.

    This card is still maybe marginally worthwhile to me for the sole reason that I have a lot of foreign currency transactions. Unless you are going to be saving enough in currency conversion fees to make up for the hassle and the additional Flight Centre booking fees, I think you’d be better off with a card offered through your bank.

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