Hi everyone, am looking for a second credit card to massage some additional SPs. I realise that there are other threads, which I have searched/read, but in 2024 the landscape is different to before NZ regulatory changes to credit card fees (I don't know the exact terminology).

My ANZ card has been good, and the new SPs boost is welcomed, but I'm a few 100 SPs short of Elite. From previous threads, I've established that Elite may not offer me much value as a domestic traveller, but combined with the potential for a greater APD earn rate, I'm considering a second card. From what I know of significant beneifts:

Westpac Airpoints World - Priority Pass, though only useful if in Auckland Airport and unable to enter Koru lounge. Also seems super expensive? $310 pa unless I can churn $50,000 through the card between the 6 monthly $155 card fee.

AMEX Platinum - best APD earn rate at 1 APD per $59 spent, but hardest card to spend with in NZ. $195 pa but currently appears to be the only card offering a sign up offer (300 APD if you can churn $1500 in the first 3 months). SP earn rate average at $250 per SP.

Kiwibank Platinum - best SP earn rate at $200, one of the worst APD earns at $115. Finally has Apple Pay, meaning all of these options can support Apple Pay. $180 pa.

Am I missing any significant features/pitfalls of the cards above? And are there any strong suggestions for any of the above over the other options if paired to an ANZ platinum? Thanks for any real world advice able to be offered.