Credit cards

Get off the ground quicker with a Go Fly Credit Card. As well as earning Air New Zealand Airpoints Dollars™ on every dollar spent*, Go Fly Credit Cards let you combine your Airpoints Dollars with family members and close friends, plus get exclusive access to Go Fly Thursday grabaseat™ deals.

If rewards aren’t your thing, we’ve also got a great range of award-winning low interest credit cards to help you minimise your costs. Use our credit card selector to see which card’s best for you.

All Kiwibank Credit Cards come with our commitment to help you keep your credit card costs down and to be flexible when you need us to be. Apply for yours today.

Rewards cards

Our rewards cards will help you get off the ground quicker.

Go Fly Credit Cards

Go Fly credit card
  • Choice of standard, gold or platinum
  • 18.90% p.a. interest rate on purchases
  • Up to 44 interest free days

Range of rewards and benefits including:

  • Earn Air New Zealand Airpoints Dollars on every dollar spent*
  • Exclusive access to Go Fly Thursday grabaseat deals
  • Ability to combine Airpoints Dollars with up to four other family members or close friends
  • Free Koru lounge passes**
  • Additional benefits for gold and platinum cardholders

More about Go Fly

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Low interest cards

Reduce your credit card costs with one of our low interest cards.

Low Rate MasterCard

Low Rate Mastercard
  • 12.90% p.a. interest rate (our lowest)
  • The card that costs you less
  • Up to 55 interest free days
More about Low Rate MasterCard

MasterCard Zero

Mastercard Zero
  • No account fee (if you use your card every 3 months)***
  • Lower everyday interest rate of 15.90% p.a.
  • Up to 55 interest free days
More about MasterCard Zero

MasterCard Gold

Mastercard Gold
  • Higher credit limits
  • Complimentary worldwide travel insurance
  • Lower everyday interest rate of 16.90% p.a.
  • Up to 55 interest free days
More about MasterCard Gold

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Conditions

* Airpoints Dollars are not available on balance transfers, credit card repayment insurance or cash advances.
** Minimum spend applies.
*** An inactivity fee and service fees may apply.

Other fees may apply. Interest rates subject to change. Interest free period applies provided that you pay off your entire balance each month by the due date. Interest free period does not apply to cash advances or balance transfers. Kiwibank Limited’s terms and conditions and lending criteria apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Travel insurance

Kiwibank MasterCard Travel Insurance is arranged by Kiwibank and is issued by TOWER Insurance Limited. Important conditions and exclusions are set out in the policy wording.

Air New Zealand Airpoints

Air New Zealand’s Airpoints programme terms and conditions apply, visit airnewzealand.co.nz/airpoints for details. Airpoints Dollars is Air New Zealand’s registered trademark and is Air New Zealand’s Airpoints programme currency. Go Fly grabaseat deals are strictly limited in number.

Members of an Airpoints Family can combine their Airpoints Dollars through setting up an Airpoints Family account. To add members to the Airpoints Family, the Family Enabler may invite up to four members to join the Family Enabler’s Airpoints Family and up to two of whom may live at an address that is different to the Family Enabler. When you join an Airpoints Family, you acknowledge that all of your available Airpoints Dollars can be redeemed by the Family Enabler and/or by the Family Spender(s) in your Airpoints Family and all of your individual Airpoints Dollars earnings and redemptions can be viewed by all other members in your Airpoints Family.

Balance transfers

The special balance transfer rate applies to the balance transferred from another credit or store card and is available for new and existing Kiwibank customers. Where you have made more than one balance transfer, payments applied to balance transfers will be applied to the balance transfer with the lowest interest rate first. After six months our standard low interest rates apply. This offer is not available on existing Kiwibank credit card balances. Transfers are subject to your Kiwibank approved credit limit. Interest will be charged on the amount you transfer from the date the transfer is processed. If the amount requested to be transferred exceeds your credit limit, Kiwibank may process a lesser amount up to your credit limit. This offer is available for a limited time only.