If you have 110 points you can still apply with that. The pass mark is 100 points. I believe, if you want to use your qualifications towards bonus points you need to have them assessed by
NZQA although I have read that, without the degree, they don't give out the bonus points. I'm just trying to back it up with some official written evidence rather than hearsay.
Have you managed to bump up your points level by taking other factors into account i.e. partner’s qualifications, your previous experience, considering taking employment outside Auckland etc.? The best way to give a boost to your points level is to try to get a job offer.