Balance transfer calculator

Use our balance transfer calculator below to help you figure out whether you’ll save money by transferring the balance of your other bank’s credit card or store card to a Kiwibank Credit Card.

This is a guide only. The calculated savings are an example of what you could save – they’re based on your transferred balance being repaid at 5 per month, and assume your current bank’s repayment fee is set at 2 . Using this calculator doesn’t constitute an offer or quote from Kiwibank.

Switch to a Kiwibank Credit Card today and pay only   on the transferred balance and new purchases for the first 6 months. Apply now.

How it works

  • You can choose any Kiwibank Credit Card from our range of low interest cards or Air New Zealand Airpoints credit cards.
  • You’ll need to transfer at least $200 from another card to qualify.
  • Once your transfer is approved, we’ll pay off your old credit or store card and send you your new Kiwibank card.
  • You’ll pay interest at   on that transferred balance for six months – after six months, any remaining balance will be charged interest at the usual rate for the card you’ve chosen.
  • During those first six months, any new purchases you make will also be charged interest at  

Kiwibank’s lending criteria, terms and conditions and fees apply. Interest rates subject to change.

The special balance transfer interest rate applies to the balance transferred from another credit or store card and is available for existing Kiwibank customers and new Kiwibank customers who apply for a Kiwibank Credit Card before 31 July 2014. The special interest rate for balance transfers and purchases are only available with a minimum balance transfer amount of $200 and the offer is not available on existing Kiwibank Credit Card balances or business credit cards. 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. After six months our standard purchase interest rates will apply to any balance transferred.

The special purchase interest rate applies to purchases made within the first six months from the date the card is opened and is available for new and existing Kiwibank customers who apply for a Kiwibank Credit Card with a balance transfer before 31 July 2014. Payments applied to purchases will be applied to purchases covered by the special purchase interest rate first. After six months our standard purchase interest rate will apply to any purchases made.

To get this offer you need to close your other bank(s) card that you are bringing the balance across from. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.