•   purchase interest rate. (Interest rates are subject to change).
  •   cash advance interest rate. (Interest rates are subject to change).
  • Up to 55 interest free days, as long as you pay off your entire balance in full every month by the due date. The interest free period does not apply to cash advances or balance transfers.
  • 5% or $10 minimum monthly repayments - whichever is greater.
  • No account fee.
  • No fee for joint or additional cardholder.
  • Use MasterCard Contactless 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.

Balance Transfers

  • Pay just   for the first 6 months on any transferred balance from a non-Kiwibank credit card.
  • Balance transfer interest rates apply to the balance transferred from another bank credit or store card.
  • If the amount to be transferred exceeds your credit limit, Kiwibank may process a lesser amount up to your credit limit.
  • Interest is charged on your balance transfer from the date the transfer is processed.
  • After six months, any remaining transferred balance will be treated like a purchase and our standard interest rate for purchases will apply (currently 16.90% p.a.).
  • 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.


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.

Apply Now

Begin the join process:

Or download and complete the Credit Card Application Form (PDF 183.2 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.

MasterCard is a registered trademark of MasterCard International Incorporated.

MasterCard Zero $5,000 Prize Draw Terms and Conditions

Get a new MasterCard Zero between 7 June and 3 July 2016 and every transaction you make right up to 31 August 2016 gets you one entry into the draw to win $5,000 to help pay off your credit card. The draw will take place on 5 September 2016 and the winner will be notified by phone or email. The prize of $5,000 will be credited to the winner’s MasterCard Zero account within ten days of the prize draw taking place. By accepting the prize, the winner acknowledges that their name and photo may be used for publicity purposes. The judge’s decision is final and no correspondence will be entered into. Employees and contractors of Kiwibank and New Zealand Post and their immediate families are not eligible to enter.

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