MasterCard Zero

Kiwibank’s MasterCard Zero is one of a kind – you’ll pay no account fee if you use it at least once every three months, and its lower interest rate makes it perfect for everyday use. No wonder it was voted New Zealand’s Cheapest Credit Card and Best Transactor Card in the 2009 Sunday Star–Times CANSTAR Banking Awards.

MasterCard Zero is accepted online, in stores and at ATMs in over 28 million locations worldwide.

Features:

  • No account fee if you use your card at least once every three months* (otherwise there’s a $15 inactivity fee)
  • No fee for joint or additional cardholder
  • 15.90% p.a. interest 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
  • 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 MasterCard Zero's rates and fees.

Apply now

  • Join online
  • Join on the phone
  • Join at a local Kiwibank

Or download and complete the pdfCredit card application form (PDF 316 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 MasterCard Zero, call us on 0800 521 521.

Eligibility

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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Conditions

*An inactivity fee and service fees may apply.

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.