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 182.0 KB) - for Air New Zealand Airpoints credit card customers

Personal Banking Fees and Limits (PDF 163.2 KB)

All other personal Kiwibank Credit Cards

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

Credit Card Terms and Conditions (PDF 182.0 KB) - for all other personal credit card customers

Credit Card Disclosure Statement (PDF 64.5 KB)

Personal Banking Fees and Limits (PDF 163.2 KB)

Home loans

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

Home Loan Terms and Conditions (PDF 177.3 KB)

Sample - Kiwibank Home Loan Summary (PDF 217.4 KB)

Sample - Kiwibank Home Loan Summary (Kāinga Ora) (PDF 287.1 KB)

Memorandum of Mortgage (Mortgage Terms and Conditions) (PDF 152.8 KB)

Personal Banking Fees and Limits (PDF 163.2 KB)

Registrable Memorandum of Mortgage (PDF 468.4 KB) - suitable for Solicitor use

Terms and Conditions for New Zealand Home Loans can be found at kiwibank.co.nz/nzhl.