Switch to a Kiwibank Credit Card today and pay only   on the transferred balance for the first 6 months. Find out more.
  •   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 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 210.8 kB) or the Tertiary and Graduate Overdraft and credit card application form (PDF 76.0 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. 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.

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