If you’d like an overdraft or a credit card, you can download and complete the Tertiary and Graduate Overdraft and Credit Card Application Form (PDF 154.5 kB) and take it to your local Kiwibank or send it to us at: Kiwibank Limited, Freepost 161688, Private Bag 39888, Wellington 5045. If you’d like to apply for a personal loan, call us on 0800 549 454 or complete an online application.
To be eligible for the Graduate Pack, you must have successfully completed a qualification requiring at least one year of full or part–time study at a New Zealand University, Polytech or NZQA approved place of study.
To be eligible for a Kiwibank Low Rate MasterCard, personal loan or interest free overdraft, you need to be aged 18 years or over, be a permanent New Zealand resident, have a good credit history and have any income paid into your Kiwibank account.
You’re entitled to the benefits of the Graduate Pack for up to two years after you successfully complete your studies, and after that, Kiwibank’s standard fees will apply.
To be eligible for the flat account, you must have your personal banking with Kiwibank.