We’ve grouped together all the important current documents from our consumer credit products including credit cards, home loans, personal loans and overdrafts. You can find previous versions of these documents on our legal document archive page.

Credit cards

Air New Zealand Airpoints Credit Cards

General Terms and Conditions for Personal and Business (PDF 249.0 KB)

Credit Card Terms and Conditions (PDF 258.9 KB)

Personal Banking Fees and Limits (PDF 147.1 KB)

All other Kiwibank Credit Cards

General Terms and Conditions for Personal and Business (PDF 249.0 KB)

Credit Card Terms and Conditions (PDF 258.9 KB)

Credit Card Disclosure Statement (PDF 64.5 KB)

Home loans

Memoranda of Mortgage (PDF 468.4 KB)

General Terms and Conditions for Personal and Business (PDF 249.0 KB)

Home Loan Terms and Conditions (PDF 163.0 KB)

Sample - Kiwibank Home Loan Agreement (PDF 479.7 KB)

Personal Banking Fees and Limits (PDF 147.1 KB)

Terms and Conditions for New Zealand Home Loans and AMP can be found at nzhltools.co.nz and AMP Home Loans page.