How we'll help you

At Kiwibank, we believe in Kiwis looking out for Kiwis. So, as well as giving you great rates, we'll also work with you to help you manage your credit card to reduce your costs. If you need a hand at any time, give us a call on 0800 521 521 to discuss your options.

Our commitment to you:

Competitive low rates and balance transfer offers

  • Our low interest credit cards are designed to help you minimise the interest you pay so the cost of your debt is as low as possible
  • Our low interest credit cards have been recognised for their great value, winning Cheapest Card and Best Transactor Card in the Sunday Star-Times CANSTAR banking awards two years running
  • We regularly have competitive balance transfer offers for both new and existing Kiwibank customers, to help you pay off your debt faster.

Tips to help you avoid fees

  • With internet banking, we remind you when your payment's due to help you avoid late payment fees, and also when you’re getting near your limit to help you avoid over limit fees
  • If you've got a MasterCard Zero, we'll remind you if you've been inactive to help you avoid paying an inactivity fee
  • You can also ask us to decline any electronic transactions that will take you over your credit limit, to help you avoid paying an over limit fee. To set this up or to find out more, call us on 0800 521 521.

Note: We can only decline electronic transactions. Offline transactions (e.g. payments made by zip zap machines), direct debits or recurring payments (e.g. your power bill or gym membership), interest or fees will still be deducted and can still take your account over its limit.

Help when you need it

  • We provide regular tips on topics like: how to avoid fees, security on your card, and minimising credit card costs when you're travelling
  • We have a dedicated Customer Care team who can help you if your circumstances change and you need to talk to somebody about your options. Our team can help with payment holidays, debt consolidation and budget management tools to help you better manage your finances
  • We let you manage your own credit limit online, to give you flexibility when you need it
  • Our minimum repayment each month is 5% of your closing balance or $10, whichever is greater. This is one of the highest in the market, to help you pay off your debt faster.