Compare cards

  Low Rate Mastercard
Low Rate MasterCard
Mastercard Zero
MasterCard Zero
Mastercard Gold
MasterCard Gold
Airpoints Low Fee
Airpoints Low Fee
Airpoints Standard
Airpoints Standard
Airpoints Platinum
Airpoints Platinum
Account fee
(every 6 months)
$25 $0 $40 $12.50 $32.50 $75
Interest rate on purchases 13.45% p.a. 16.90% p.a. 17.90% p.a. 16.90% p.a. 20.95% p.a. 20.95% p.a.
Interest rate on cash advances 19.95% 19.95% 19.95% 22.95% p.a. 22.95% p.a. 22.95% p.a.
Interest free days Up to 55 Up to 55 Up to 55 Up to 44 Up to 44 Up to 44
Minimum credit limit $500 $1,000 $5,000 $1,000 $1,000 $10,000
Earn Air New Zealand Airpoints DollarsTM
Exclusive access to Air New Zealand monthly prize draws
Complimentary Koru Lounge passes Two complimentary single entry passes each year when you spend $20,000 Two complimentary single entry passes for every $20,000 spent in each year
Complimentary overseas travel insurance
Earn Air New Zealand Status Points
Balance transfer offers


Interest free days

Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period does not apply to cash advances or balance transfers.

All credit cards

Kiwibank is the issuer of all credit cards. Lending criteria, terms and conditions and fees apply. Interest rates are subject to change.

Air New Zealand Airpoints Credit Cards

As well as Kiwibank’s terms and conditions, Airpoints Terms and Conditions apply. See for details.

Eligible purchases exclude fees or interest, balance transfers, credit card replacement insurance, gambling chips, money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed,refunded or charged back

Complimentary overseas travel insurance

Complimentary overseas travel insurance is arranged by Kiwibank and issued by TOWER Insurance Limited and TOWER Insurance Limited is solely responsible for any claim under the policy.

MasterCard and the MasterCard brand mark are the registered trademarks and Contactless is the trademark of MasterCard International Incorporated.