One of the perks of using credit cards is the Airpoints rewards - but there's benefits and pitfalls involved.

A Platinum AMEX, for instance, will give you points for every $70 spent - but it comes with a higher annual fee than the Airpoints Low Fee Visa card.

You can also earn Airpoints through New World's rewards programme, but it takes a bit of spending to make a significant impact.

BloggerAtLarge.com writer Megan Singleton explains further.

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