Activate your OneSmart™ card

And make spending overseas as easy as spending at home

Activate now

Don't have a card? Request one.


What is OneSmart?

  • If you’re an Airpoints™ member travelling the world, we can help make life a little easier when it comes to making purchases overseas.

  • OneSmart is a reloadable multi-currency prepaid card that can be used anywhere in the world that Mastercard is accepted.

  • OneSmart makes spending in different countries effortless – load up to eight foreign currencies, plus New Zealand Dollars.

  • The only prepaid card that earns you Airpoints Dollars™. You’ll earn 1 Airpoints Dollar for every $100NZD spent overseas.i

  • Learn more about the benefits of using OneSmart


Activate OneSmart

  • When you receive your card, sign the back of your card, and activate it. You’ll only be able to use OneSmart after you’ve activated it.

  • To activate a new card, you’ll need two forms of identification. Have your driver’s license, birth certificate, NZ citizenship document, AA membership or a recent utility bill handy.

  • If you’re activating a replacement card, simply log in and follow the prompts or call our OneSmart Customer Service Centre for assistance on 0800 787 555 or +64 9 377 8535 if you’re overseas (charges may apply).

  • Activate OneSmart now

Set a PIN for OneSmart

  • If you are a new member activating OneSmart for the first time, select New Card and follow the instructions on screen. You will be prompted to set up a PIN during this activation.

  • If you have already activated OneSmart, here’s how you can reset your PIN:

    -Login to OneSmart
    -Select 'Settings' (located at the top of the page, next to your Airpoints number)
    -Select 'Card settings’.
    -Select 'Set your PIN’.
    -Follow the screen prompts by answering the security questions and selecting a 4-digit PIN for your card.

  • If you have any questions, or run into issues setting your PIN, please call our OneSmart Customer Service Centre on 0800 787 555 or +64 9 377 8535 if you’re overseas (charges may apply).

Load money onto OneSmart

  • 1. Via a Mastercard or Visa debit card issued in New Zealand. Instantly load NZD or any of our eight foreign currencies available with your debit card. A fee of 1.5% of the load value applies per transaction. Your funds will be available immediately.

  • 2. Via Bank Transfer

    Load directly into foreign currency or NZD without a fee.

    Here are the steps:
    i. Log in to OneSmart
    ii. Select Settings, then 'Load settings'
    iii. Follow the instructions for Bank transfer
    Allow one business day for the funds to be available in OneSmart.

  • 3. Via Bill Payment

    Set up OneSmart as a bill payee through internet banking and use it to transfer NZD only to your OneSmart without a fee.

    Here are the steps
    i. Login to OneSmart
    ii. Select Settings, then 'Load settings'
    iii. 3. Follow the instructions for ‘Bill Payment’
    Allow up to 2 business days for the funds to show up in your OneSmart account.

Fees & Limits

Lost your OneSmart card?

  • You can temporarily suspend your card in the settings tab in 'My Account' or lock your card via the OneSmart app

  • Alternatively, cancel your card by calling our OneSmart Customer Service Centre on 0800 787 555, or +64 9 377 8535 if you're overseas (charges may apply). We'll send you a replacement and you can use your new card to continue spending.


Download the OneSmart app

  • Use the app to load money and check the balances of each currency in your account, transfer funds between currencies, review your transaction history, view your Airpoints Dollar balance and more.


OneSmart Mastercard Priceless® Specials

Discover exclusive Mastercard® curated offers and discounts with OneSmart. Available across a range of categories including entertainment, dining, arts and culture at home and overseas. Plus, you’ll earn Airpoints Dollars™ on eligible purchases2.

Find out more

Frequently asked questions and contact help

Where can I use OneSmart?
Is there anything I can’t use OneSmart for?
Can I use OneSmart to transact in currencies that I haven’t loaded onto my OneSmart account?
How much money can I withdraw from an ATM using OneSmart?
Will I be charged a card payment fee if I use OneSmart for an online flight booking on the Air New Zealand website?
What happens to my OneSmart card if my Airpoints tier changes?
How much money can I have in my OneSmart account?
Can I get a second card linked to the same OneSmart account or have multiple cards for my family members?
What is the exchange rate when I transfer money between currencies on my OneSmart account?
Which way do I put my card into an ATM?
What is my card’s security code (CVC)?
What is Dynamic currency conversion?
When will I get my Airpoints Dollars rewards from spending with OneSmart?
What if I don’t have enough local currency to complete a transaction?
How does my OneSmart card select which currency to use?
What is an unsupported currency?
Am I able to change the order in which currencies will be drawn on from my OneSmart Account?
How do I manage my OneSmart Account balance?
How do I file a dispute on a transaction I didn't make?
How do I log in to the OneSmart app?
How do I opt out of OneSmart?
What happens when my OneSmart card expires?

Still have a question?

Contact the OneSmart Customer Service Centre, we’re here to help 24/7.

Within NZ 0800 787 555

From Overseas+64 9 377 8535 (charges may apply)