The Go Fly cards offer airpoints dollars depending on how much you spend on the card.
With the standard mastercard from $28 per 6 months you're actually getting more dollars than you're spending out!
There you can compare the cards & what they offer including free travel insurance on Gold & Platinum even though it's not the longest free travel insurance deals on Gold Cards.
Check out our Gold/Platinum Card comparison at http://kiwimoneysavers.com/creditcards.aspx