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This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

This website requires the latest Flash player technology.

This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

This website requires the latest Flash player technology.

This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

This website requires the latest Flash player technology.

This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

This website requires the latest Flash player technology.

This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

This website requires the latest Flash player technology.

This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

This website requires the latest Flash player technology.

Apply now or call us on 0800 000 654 to take years off your mortgage and save thousands.

This calculator is intended to provide you with an indication only and does not constitute an offer of finance from Kiwibank Limited. All loans are subject to Kiwibank’s normal lending criteria and it is important to note that fees may apply and that interest rates are subject to change.

Which card for me?

Not sure which Kiwibank Credit Card to choose? Answer a few quick questions below and we’ll recommend some great options for you. Or for a quick comparison, check out the card comparison table.

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1. 1. How often will you use your credit card?

   At least once a month Less than once a month

2. 2. Would you be more likely to:

   Pay your card off in full each month Have a balance owing each month

   Would the balance owing be more than $2,000?

   Yes No

3. 3. How many times a year do you fly?

   0-4 5-9 10+

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1. 4. What limit would you want:

   $1,000-$4,999 $5,000-$9,999 Over $10,000

2. 5. What's your annual income (before tax):

   $0-$49,999 $50,000-$99,999 $100,000 +

3. 6. Rate how important each of these is to you:

   • Air New Zealand Aipoints Dollars™:
   • Low interest rates:
   • Low account fees:

We'll show the cards best suited to your needs.

Back to questions

LowRate MasterCard

If you don't pay your balance off in full each month, this card's a great way to keep your interest costs down.

• 12.90% p.a. interest rate
• Up to 55 interest free days
• $25 account fee every six months

Find out more

MasterCard Zero

If you don't want to pay account fees or just need a card for occasional or emergency use.

• No account fee (if you use your card every 3 months)*
• 15.90% p.a. interest rate
• Up to 55 interest free days

Find out more

MasterCard Gold

Great if you don't always pay your card off in full but want benefits like complimentary travel insurance.

• Higher credit limits
• 16.90% p.a. interest rate
• $40 account fee every six months

Find out more

Go Fly MasterCard Standard

If you use a credit card a lot, generally pay it off in full each month and want to earn rewards but don't need any added extras, this is the card for you.

• Earn 1 Airpoints Dollar™ per $150 spend, and access to Airpoints™ Family and Go Fly Thursday
• 18.90% p.a. interest rate on purchases
• $28 account fee every six months

Find out more

Go Fly MasterCard Gold

Great if you use your credit card a lot, generally pay it off in full each month and want to earn rewards plus get some added extras.

• Earn 1 Airpoints Dollar™ per $100 spend, and access to Airpoints™ Family and Go Fly Thursday
• Complimentary travel insurance and higher credit limits
• 18.90% p.a. interest rate on purchases
• $49 account fee every six months

Find out more

Go Fly MasterCard Platinum

Great if you use your credit card a lot, generally pay it off in full each month, want to earn rewards quicker and get lots of extra benefits.

• Earn 1 Airpoints Dollar™ per $90 spend, and access to Airpoints™ Family and Go Fly Thursday
• Exclusive benefits including Air New Zealand Status Points, no Airpoints expiry and MasterCard Concierge service
• 18.90% p.a. interest rate on purchases
• $65 account fee every six months

Find out more

Low Rate MasterCard MasterCard Zero MasterCard Gold Go Fly MasterCard Standard Go Fly MasterCard Gold Go Fly MasterCard Platinum

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LowRate MasterCard

If you don't pay your balance off in full each month, this card's a great way to keep your interest costs down.

• 12.90% p.a. interest rate
• Up to 55 interest free days
• $25 account fee every six months

Find out more

MasterCard Zero

If you don't want to pay account fees or just need a card for occasional or emergency use.

• No account fee (if you use your card every 3 months)*
• 15.90% p.a. interest rate
• Up to 55 interest free days

Find out more

MasterCard Gold

Great if you don't always pay your card off in full but want benefits like complimentary travel insurance.

• Higher credit limits
• 16.90% p.a. interest rate
• $40 account fee every six months

Find out more

Go Fly MasterCard Standard

If you use a credit card a lot, generally pay it off in full each month and want to earn rewards but don't need any added extras, this is the card for you.

• Earn 1 Airpoints Dollar™ per $150 spend, and access to Airpoints™ Family and Go Fly Thursday
• 18.90% p.a. interest rate on purchases
• $28 account fee every six months

Find out more

Go Fly MasterCard Gold

Great if you use your credit card a lot, generally pay it off in full each month and want to earn rewards plus get some added extras.

• Earn 1 Airpoints Dollar™ per $100 spend, and access to Airpoints™ Family and Go Fly Thursday
• Complimentary travel insurance and higher credit limits
• 18.90% p.a. interest rate on purchases
• $49 account fee every six months

Find out more

Go Fly MasterCard Platinum

Great if you use your credit card a lot, generally pay it off in full each month, want to earn rewards quicker and get lots of extra benefits.

• Earn 1 Airpoints Dollar™ per $90 spend, and access to Airpoints™ Family and Go Fly Thursday
• Exclusive benefits including Air New Zealand Status Points, no Airpoints expiry and MasterCard Concierge service
• 18.90% p.a. interest rate on purchases
• $65 account fee every six months

Find out more

LowRate MasterCard

If you don't pay your balance off in full each month, this card's a great way to keep your interest costs down.

Apply nowFind out more

MasterCard Zero

If you don't want to pay account fees or just need a card for occasional or emergency use.

Apply nowFind out more

MasterCard Gold

Great if you don't always pay your card off in full but want benefits like complimentary travel insurance.

Apply nowFind out more

Go Fly MasterCard Standard

If you use a credit card a lot, generally pay it off in full each month and want to earn rewards but don't need any added extras, this is the card for you.

Apply nowFind out more

Go Fly MasterCard Gold

Great if you use your credit card a lot, generally pay it off in full each month and want to earn rewards plus get some added extras.

Apply nowFind out more

Go Fly MasterCard Platinum

Great if you use your credit card a lot, generally pay it off in full each month, want to earn rewards quicker and get lots of extra benefits.

Apply nowFind out more

LowRate MasterCard

If you don't pay your balance off in full each month, this card's a great way to keep your interest costs down.

Apply nowFind out more

MasterCard Zero

If you don't want to pay account fees or just need a card for occasional or emergency use.

Apply nowFind out more

MasterCard Gold

Great if you don't always pay your card off in full but want benefits like complimentary travel insurance.

Apply nowFind out more

Go Fly MasterCard Standard

If you use a credit card a lot, generally pay it off in full each month and want to earn rewards but don't need any added extras, this is the card for you.

Apply nowFind out more

Go Fly MasterCard Gold

Great if you use your credit card a lot, generally pay it off in full each month and want to earn rewards plus get some added extras.

Apply nowFind out more

Go Fly MasterCard Platinum

Great if you use your credit card a lot, generally pay it off in full each month, want to earn rewards quicker and get lots of extra benefits.

Apply nowFind out more

Compare all cards Back to questions