Pay   interest for 6 months on your old credit card balance when you transfer it to any Kiwibank Credit Card. Apply online for a new credit card, or call us on 0800 521 521 to transfer to an existing credit card.
  •   purchase interest rate – our lowest credit card rate
  • Up to 55 interest free days, as long as you pay off your entire balance in full every month by the due date
  • 5% or $10 minimum monthly repayments - whichever is greater
  • $25 account fee every six months
  • Balance transfer – you can transfer your balance from other bank credit or store cards to any Kiwibank Credit Card, up to your approved credit limit
  • Use MasterCard PayPass to make purchases of up to $80 without swiping, inserting or entering a PIN
  • Microchip technology and MasterCard SecureCode for added security
  • Other fees apply. Find out more about Low Rate MasterCard’s rates and fees.

Apply now

Begin the join process:

Or download and complete the Credit Card Application Form (PDF 90.1 kB) or the Tertiary and Graduate Overdraft and credit card application form (PDF 72.0 kB) and send it to Kiwibank Limited, Private Bag 39888, Wellington 5045 or drop it in to your local Kiwibank.

If you’re an existing Kiwibank Credit Card customer and want to switch to a Low Rate MasterCard, call us on 0800 521 521.


To apply for a Kiwibank MasterCard you must be at least 18 years of age, a New Zealand resident, and have a good credit history.

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Interest rates subject to change. Interest free period does not apply to cash advances or balance transfers.

Balance Transfers

The special balance transfer interest rate applies to the balance transferred from another bank credit or store card and is available for existing and new Kiwibank customers. Minimum balance transfer amount is $200. This offer is not available on existing Kiwibank Credit Card balances or business credit cards. Transfers are subject to your Kiwibank approved credit limit. If the amount requested to be transferred exceeds your credit limit, Kiwibank may process a lesser amount up to your credit limit. After six months your balance transfer will be treated as a purchase and our standard interest rate for purchases will apply. That rate will also apply to any new purchases you make on your card. If you have more than one balance transfer, payments applied to balance transfers will be applied to the balance transfer with the lowest interest rate first.

Lending criteria, terms and conditions and fees apply.

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