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Should I switch to Kiwibank?

There’s lots of reasons to switch to a Kiwibank Credit Card, whether you want low rates, fantastic rewards, or just a bank that actually works with you to help keep your credit card costs down.

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 credit card or store card to a Kiwibank Credit Card.

Balance transfer conditions

This is a guide only. The calculated savings are an example of what you could save, and are based on your balance transferred, with a minimum repayment of 5% per month and assumes the other bank repayment fee is set at 2%. It doesn’t constitute an offer or quote from Kiwibank.

Payments you make to your credit card will go firstly to paying off your balance transfer and any cash advances. Once this amount is paid in full, payments will cover any purchases. Our standard interest rates will apply to any cash advances or purchases. The special balance transfer rate applies to the balance transferred from another credit or store card and is available for new and existing Kiwibank customers who apply for a Kiwibank Credit Card or existing Kiwibank customers who transfer the balance from another credit or store card to their Kiwibank Credit Card. Where you have made more than one balance transfer, payments applied to balance transfers will be applied to the balance transfer with the lowest interest rate first. After six months our standard purchases interest rates will apply to any balance transferred. This offer is not available on existing Kiwibank Credit Card balances. 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. This offer is available for a limited time only.

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