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 122.6 KB) - for Air New Zealand credit card customers who applied before 5 July 2021

Credit Card Terms and Conditions (PDF 182.0 KB) - for Air New Zealand Airpoints credit card customers who applied after 5 July 2021. For Air New Zealand Airpoints credit card customers who applied before 5 July 2021 these terms are effective from 2 August

Personal Banking Fees and Limits (PDF 170.0 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 122.6 KB) - for all other personal credit card customers who applied before 5 July 2021

Credit Card Terms and Conditions (PDF 182.0 KB) - for all other personal credit card customers who applied after 5 July 2021. For personal credit card customers who applied before 5 July 2021 these terms are effective from 2 August

Credit Card Disclosure Statement (PDF 64.5 KB)

Personal Banking Fees and Limits (PDF 170.0 KB)

Business Credit Card

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

Credit Card Terms and Conditions (PDF 122.6 KB) - for business credit card customers who applied before 5 July 2021

Business Credit Card Terms and Conditions (PDF 196.0 KB) - for business credit card customers who applied after 5 July 2021. For business credit card customers who applied before 5 July 2021 these terms are effective from 2 August 2021

Business Banking Fees and Limits (PDF 142.8 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 208.2 KB)

Sample - Kiwibank Home Loan Agreement (PDF 479.7 KB)

Personal Banking Fees and Limits (PDF 170.0 KB)

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