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Get an Apple Watch and pay less when you move more
Ready to kick-start your journey to better health?
Every step, spin and movement counts. With AIA Vitality, you can earn an Apple Watch by reaching your weekly physical activity targets and earning Apple Watch Benefit Rewards over 24 months*. It’s a smart way to stay motivated and track your progress because life’s ride is worth it.
Activate your Apple Watch Benefit now in the AIA Vitality app and start moving towards better health and wellbeing.
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*The Apple Watch Benefit (“AWB”) is available as part of the AIA Vitality Programme.
AIA Vitality have partnered with Financed by Glow (“Glow”) offering a twenty-four (24) month, interest free loan product to the value of NZD $749 (“Loan”). If you meet Glow’s eligibility criteria for Loan approval, you will enter into a Loan Agreement directly with Glow and pay an initial deposit to Glow of $125. Then AIA Vitality will issue you with an Apple Store Gift Card code to purchase your Apple Watch.
AIA Vitality have partnered with Financed by Glow (“Glow”) offering a twenty-four (24) month, interest free loan product to the value of NZD $749 (“Loan”). If you meet Glow’s eligibility criteria for Loan approval, you will enter into a Loan Agreement directly with Glow and pay an initial deposit to Glow of $125. Then AIA Vitality will issue you with an Apple Store Gift Card code to purchase your Apple Watch.
You can achieve weekly physical activity targets and earn Apple Watch Benefit Rewards. At the end of each month, AIA Vitality pays the total Apple Watch Benefit Rewards you’ve earned directly to Glow as a co-contribution to your Loan. This reduces the amount you need to repay on your Loan for that month. You remain responsible for your Loan with Glow and will be liable to make any repayments where you have missed your weekly activity target and not earned your Apple Watch Benefit Reward. T&Cs apply
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Glow Financial Services (New Zealand) Limited, NZBN 9429053084422, trading as Financed by Glow, is the creditor in this arrangement and a registered financial service provider under FSP1010763 authorised to provide consumer credit. Eligibility criteria and T&Cs apply
How it works
01Activate
Simply activate the Apple Watch Benefit in the app.
02Apply
Apply for your loan with Financed by Glow*. Once your loan is approved, pay your $125 initial deposit to Glow**.
03Purchase
AIA Vitality will then provide you with an Apple Store Gift Card code*** in your AIA Vitality app to purchase your Apple Watch Series 11 (GPS) Aluminium 42-mm through the Apple New Zealand Store.
04Link
Hit your 4 physical activity targets in a month, and AIA covers the full $26 loan payment for that month.
05Achieve
Link your Apple Watch to the AIA Vitality app to start tracking. Head to the “Accounts” section in your AIA Vitality iPhone app and then select “Connected apps and devices” to connect to your new Apple Watch.
What are Apple Watch Benefit Rewards?
Apple Watch Benefit Rewards are the weekly rewards you earn by meeting your physical activity targets set in the AIA Vitality app. Each week you hit your physical activity target in the AIA Vitality app; you earn an Apple Watch Benefit Reward that goes toward paying off your Apple Watch Benefit loan with Glow.
The more Apple Watch Benefit Rewards you earn, the less you pay. You really can earn the rest of your Apple Watch by being active.
| Weekly physical activity target(s) you achieve each calendar month | AIA Vitality Member pays to Apple Watch Benefit loan provider | Apple Watch Benefit Rewards covers |
|---|---|---|
| 0 | $26 | $0 |
| 1 | $21 | $5 |
| 2 | $16 | $10 |
| 3 | $11 | $15 |
| 4/5 | $0 | $26 |
As long as you stay active and meet your weekly physical activity targets, you’ll earn all your weekly Apple Watch Benefit Rewards. If you earn all of them each month, AIA Vitality will cover the full monthly loan repayment, meaning your Apple Watch won’t cost you anything extra.
If you miss a weekly target and don’t earn that week’s Apple Watch Benefit Reward, you’ll need to pay the part of the loan repayment that isn’t covered. Depending on how many of these you miss, you may have to pay up to $26, which is the full monthly loan repayment.
Frequently asked questions
Got questions?
We've got answers!
Information about the Apple Watch Benefit
What is the Apple Watch Benefit?
The Apple Watch Benefit is available through AIA Vitality and can be activated once every 24 months for Apple iOS users.
When you activate the Apple Watch Benefit, you can apply for a 24‑month loan with the Apple Watch Benefit loan provider for the value of an Apple Watch Series 11 (GPS) ($749). If your loan is approved, you will need to pay a $125 initial deposit as the first upfront payment on your total loan amount. You’ll then receive a $749 Apple Store Gift Card code in your AIA Vitality app. You use this Apple Store Gift Card code to purchase your Apple Watch from the online Apple Store.
Once your watch arrives, simply pair it with the AIA Vitality app so your weekly physical activity targets can sync and earn AIA Vitality Points. While the Apple Watch Benefit is active, your weekly physical activity targets will no longer earn $5 Active Rewards. Instead, they earn Apple Watch Benefit Rewards.
The Apple Watch Benefit Rewards earned automatically go toward your monthly loan repayment, reducing what you need to pay that month. You’re still responsible for your loan and must pay any portion not covered by the Apple Watch Benefit Rewards earned if you miss a weekly physical activity target.
What are Apple Watch Benefit Rewards?
Apple Watch Benefit Rewards are a dollar amount equivalent to the value of a loan repayment due to the Apple Watch Benefit loan provider, by week. Apple Watch Benefit Rewards are earned by hitting your weekly physical activity targets. Apple Watch Benefit Rewards reduce your Apple Watch Benefit loan repayments. Each week you hit your physical activity target in the AIA Vitality app; you earn an Apple Watch Benefit Reward.
At the end of the month, AIA Vitality pays the total Apple Watch Benefit Rewards you’ve earned directly to your Apple Watch Benefit loan provider as a co-contribution. This reduces the amount you need to repay on your loan for that month. If you meet all physical activity targets in a month and earn all available Apple Watch Benefit Rewards, AIA Vitality will pay these to the Apple Watch Benefit loan provider, and you will not need to co-contribute to your loan repayment that month.
While your Apple Watch Benefit is active, you will not earn your $5 Active Rewards for meeting your weekly Target. Instead, you’ll earn weekly Apple Watch Benefit Rewards.
How do I purchase my Apple Watch?
Once your loan is approved and you have paid the $125 initial deposit, your Apple Store Gift Card code will be available in the AIA Vitality App. There will be a link to go through the online Apple New Zealand Store where you can use your Apple Store Gift Card code to purchase an Apple Watch Series 11 (GPS) Aluminium 42-mm.
If you want to upgrade or purchase additional features, you will be responsible for paying any additional costs above the value of the Apple Store Gift Card code. We recommend you purchase your Apple Watch within two weeks of receiving the Apple Store Gift Card code to assist you with tracking your physical activity, as this can convert into Apple Watch Benefit Rewards which contribute towards your monthly loan repayments with the Apple Watch Benefit loan provider.
How many Apple Watches can I purchase?
Under the AIA Vitality Programme, you can only apply for one Apple Watch Benefit every 24 months. Each time you activate the Apple Watch Benefit, you will receive one Apple Store Gift Card code to the value of an Apple Watch ($749), meaning only one Apple Watch per Apple Watch Benefit term is available.
If I earn all available Apple Watch Benefit Rewards each month, how long will it take for the loan to be paid off?
If you earn all available Apple Watch Benefit Rewards each month, your loan will take 24 months to pay off.
How do I know how I am progressing with my loan and when it will be paid off?
You will need to go to the Glow portal. You can get to it through the AIA Vitality app by clicking on the AWB tile.
Can I pause my Apple Watch Benefit?
No, you are unable to pause your Apple Watch Benefit with AIA Vitality or your loan with Glow.
Can I pay off my loan early?
Yes, you can. You will need to contact Glow to arrange early settlement of your loan. If you choose to settle early, you will become re‑eligible for weekly Active Rewards. However, you will not be able to access the Apple Watch Benefit again until 24 months have passed from your original AWB activation date.
Please note: due to processing timelines, there may be a short stand‑down period between Glow receiving your final loan repayment and your Active Rewards becoming available again.
My Apple Watch is no longer working; how do I get it fixed?
For any Apple Watch repairs/faults and/or purchase queries, please reach out to Apple directly as this may fall under the Apple Watch product warranty.
Information about your Financed by Glow loan
Who is Financed by Glow?
AIA Vitality have partnered with Financed by Glow to enable the Apple Watch Benefit. Glow is AIA Vitality’s chosen third party loan provider, offering a twenty-four (24) month, interest free loan product to the value of NZD $749 in order for AIA Vitality Member’s to purchase an Apple Watch Series 11 (GPS) Aluminium 42-mm with an Apple Store Gift Card code.
Glow Financial Services (New Zealand) Limited, NZBN 9429053084422, trading as Financed by Glow, is the creditor in this arrangement and a registered financial service provider under FSP1010763 authorised to provide consumer credit.
How do I apply for this loan and what is required?
The loan application is available to complete within the AIA Vitality app for eligible AIA Vitality members who have agreed to AIA Vitality’s Apple Watch Benefit Terms and Conditions. As an AIA Vitality member, you will need to provide certain data directly to Glow to determine your credit eligibility. See Glow FAQs for specific information required for application.
If you meet Glow’s eligibility criteria for loan approval, you will need to:
- enter into a loan Agreement directly with Glow,
- provide Glow with bank account information to set up a direct debit facility for any loan repayments, and
- pay an initial deposit to Glow of $125 as the first upfront payment toward the total loan amount of $749.
How long does the loan application process take?
The loan application is done in real time. Please refer to Glow’s FAQ page for more information about the loan process.
What happens if my loan is not approved?
You will be notified by Glow if your loan application is declined. For loan related enquiries please check Glow’s FAQ page or Glows Legal Information.
What is the deposit payment I need to make?
As part of your loan with Glow, you will need to pay a non-refundable deposit of $125 to Glow as the first upfront payment towards of the total loan amount of $749. This payment is made by you, is not refundable, and is not eligible for AWB Rewards.
Does the loan with Glow affect my credit rating?
As a creditor, Glow must assess your eligibility for this loan application, including completing a comprehensive credit check. Please refer to Glow’s FAQ page for more information about the loan process including credit rating queries.
What is the interest rate?
The loan is interest free. Please check Glow’s FAQ page for more information. However, late payment fees may apply if your monthly loan repayment is not paid on time.
Can I settle the loan before the loan term ends?
Yes, at any time you may contact Glow and repay the outstanding balance in full settlement of the loan. Please refer to Glow FAQs for more information on the loan agreement. If you choose to settle your loan early, you will not be eligible to apply for another AWB with AIA Vitality until the 24-month period since your previous AWB has passed. You will however be entitled to receive Active Rewards again.
Will I receive a notification to let me know that my payment date is coming soon?
Your loan repayment date is the 20th of each month, or the following business day. If you have a payment owing, Glow will send you a notification 3 days before you are direct debited from the bank account you provide Glow for any outstanding repayment.
What form of identification do I need to complete my loan application?
To apply for a loan with Glow you must provide a physical New Zealand driver’s licence or a valid passport.
Information about your weekly target
How do weekly physical activity targets (Targets) and Apple Watch Benefit Rewards work?
The weekly physical activity target (Target) for your Apple Watch Benefit runs from Monday to Sunday, and physical activity that’s tracked during this time will contribute to achieving your weekly Target. Each week you achieve your Target you will earn an Apple Watch Benefit Reward. The Apple Watch Benefit Reward is then applied as a co-contribution to your loan with the Apple Watch Benefit loan provider; reducing some, or all of, the loan repayment you owe that month.
You have six days after the end of that week for your activity data to sync with the AIA Vitality app to accurately reflect your activity. Be sure to open both your Apple Health app and the AIA Vitality app regularly to ensure that your activity data is syncing (we recommend twice a week minimum).
Your AIA Vitality points may not be reflected right away, but as long as you have captured your points on your synced device within your Target week and we receive the data before midnight on the following Saturday, your activities will count towards your Target and your Apple Watch Benefit Rewards.
If you are still missing physical activity points, contact the AIA Vitality team on 0800 242 888 or via email at nzvitality@aia.com.
Why has my target changed?
Your weekly Target for the Apple Watch Benefit is dynamic – it will adjust up and down based on your activity level and Target completion. This is to keep you motivated and engaged at the current level, actively encourage you to reach the next level, or recalibrate at a lower level should that be more appropriate for your fitness ability. Your Target will never move more than +/- 50 points in a single week, and range between a minimum of 200 points and a maximum of 500 points each week.
How long will it take for my points to reflect?
There may be a slight delay for the physical activity points to reflect, but they should be there within a 48-hour period.
Can I still choose an Active Reward for charity contributions or other partners?
No. After your Apple Watch Benefit is activated, your Active Rewards switch to Apple Watch Benefit Rewards, which co-contributes to your loan repayments with the Apple Watch Benefit loan provider. With this change, you will no longer be eligible to select any of the standard $5 Active Rewards vouchers or donations for the next 24 months (or until the loan has been fully settled). If the loan is settled prior to the end of the 24 months, you will again be eligible for Active Rewards.
How do I link my device?
Head to the “Accounts” section in your AIA Vitality app and then select “Connected apps and devices” to connect to your new Apple Watch.
What happens if I miss a weekly target or don’t sync my App in the required time?
We encourage you to open your app on a weekly basis to ensure your activity is syncing and your efforts are being counted towards your weekly Target and your Apple Watch Benefit Rewards.
It is your responsibility to repay your loan with Glow. If you do not meet all of your weekly Targets and earn all available Apple Watch Benefit Rewards, you are responsible for paying either the partial or full loan repayment amount for that month. You will not earn Apple Watch Benefit Rewards if you miss your weekly Target. If some, or all, weekly Targets are missed in a month no Apple Watch Benefit Rewards will be contributed to your loan by AIA Vitality, and that portion of loan repayment will be deducted from your bank account by direct debit, as agreed with Glow.
Please refer to the table above as an illustration of repayments and the potential co-contribution by AIA Vitality towards your loan when you achieve your Target and earn Apple Watch Benefit Rewards. You should check the AIA Vitality App and your loan balance on the Glow portal regularly for an accurate reflection of the co-contribution.
- AIA Starter Plan Policy Wordings Download
- AIA Vitality Starter Points and Rewards Guide View brochure
- Compare AIA Vitality to AIA Vitality Starter View brochure
Apple Watch Benefit Disclaimer
* The Apple Watch Benefit (“AWB”) is available as part of the AIA Vitality Programme. AIA Vitality have partnered with Financed by Glow (“Glow”) offering a twenty-four (24) month, interest free loan product to the value of NZD $749 (“Loan”). If you meet Glow’s eligibility criteria for Loan approval, you will enter into a Loan Agreement directly with Glow and pay an initial deposit to Glow of $125. Then AIA Vitality will issue you with an Apple Store Gift Card to purchase your Apple Watch. You can achieve weekly physical activity targets and earn Apple Watch Benefit Rewards. At the end of each month, AIA Vitality pays the total Apple Watch Benefit Rewards you’ve earned directly to Glow as a co-contribution to your Loan. This reduces the amount you need to repay on your Loan for that month. You remain responsible for your Loan with Glow and will be liable to make any repayments where you have missed your weekly activity target and not earned your Apple Watch Benefit Reward. T&Cs apply.
**The loan, including the deposit, is not refundable. Please see Glow FAQs for more information
***The Apple Store Gift Card code is for the amount to purchase an Apple Watch Series 11 (GPS) Aluminium 42-mm. If you choose to add Cellular or the Ultra models, or add accessories to the same purchase, you will need to pay the difference using your own payment method.
Glow Financial Services (New Zealand) Limited, NZBN 9429053084422, trading as Financed by Glow, is the creditor in this arrangement and a registered financial service provider under FSP1010763 authorised to provide consumer credit. Eligibility criteria and T&Cs apply
Apple is not a participant in or sponsor of this promotion. Apple Watch® is a registered trademark of Apple Inc. All rights reserved.
Apple Watch Series 11 requires iPhone 11 or later with iOS 26 or later. Bands are subject to availability
- Requires an Apple Intelligence–enabled iPhone nearby and Bluetooth® headphones with device and Siri language set to English. Apple Intelligence is available in beta. Some features may not be available in all regions or languages. For feature and language availability and system requirements, see support.apple.com/121115.
- Battery life varies by use and configuration; see apple.com/au/watch/battery for more information.
- Terms and conditions apply
AIA Vitality is available with eligible AIA health or life insurance policies and has a monthly membership fee of $11.50 (including GST). For more details on Premium Flex we recommend you refer to the AIA Vitality Premium Adjustment Rules. View the full AIA Vitality terms and conditions.
Disclaimer: The Starter Plans Estimate tool provides an estimate of plan charge only. Information provided to the Estimate tool and the estimated plan charge displayed on ‘Your Estimate’ is not saved or shared. For more information about AIA’s Privacy Statement, please visit Privacy Statement. All estimates are indicative only and are based on AIA’s standard premium rates for your age, gender, smoking status, occupation and employment status without taking into account your personal circumstances. Your personal circumstances can affect AIA’s ability to provide cover, and the rates or terms on which that cover may be offered. Any estimates and information provided by the Estimate tool are not financial advice. Refer to your estimate for more information about what is included in the plan. The insurance products outlined in the Estimate tool are underwritten by AIA New Zealand Limited (“AIA”). The availability of insurance cover is subject to AIA’s acceptance and approval of a completed application. For full AIA Vitality terms and conditions visit AIA Vitality and for AIA Vitality Starter benefits refer to AIA Vitality Starter.