Annual reports and bank disclosures

Terms and conditions and other key documents

Home Loans

Home Loan Terms and Conditions (PDF 163.0 KB)

Sample - Kiwibank Home Loan Agreement (PDF 496.4 KB)

Notice of Waiver of Mortgage Term (PDF 23.3 KB)

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

Air New Zealand Airpoint Credit Cards

View all terms, fees, policies and other key information for Air New Zealand Airpoints credit cards.

Welcome brochure - Low Fee Visa and Standard Visa (PDF 436.6 KB)

Welcome brochure - Platinum Visa (PDF 321.9 KB)

Welcome brochure - Low Fee Mastercard and Standard Mastercard (PDF 167.9 KB)

Welcome brochure - Platinum Mastercard (PDF 189.0 KB)

Credit Card terms and conditions (PDF 122.6 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)

Credit Card Disclosure Statement (PDF 64.5 KB)

Travel Insurance for Kiwibank Credit Cards Policy (PDF 204.2 KB). For customers who were issued with their credit card from 19 September 2013

Credit Card Repayment Insurance Policy wording (PDF 231.3 KB)

Air New Zealand Airpoints Terms and Conditions can be found at airnewzealand.co.nz

Air New Zealand Airpoints Monthly Prize Draw Terms and Conditions can be found at airnewzealand.co.nz

Kiwibank Credit Cards

Credit Card terms and conditions (PDF 122.6 KB)

Personal Banking Fees and Limits (PDF 154.9 KB)

Business Banking Fees and Limits (PDF 126.4 KB)

General Terms and Conditions (PDF 180.3 KB)

Credit Card Disclosure Statement (PDF 64.5 KB)

Travel Insurance for Kiwibank Credit Cards policy wording (PDF 204.2 KB). For customers who were issued with their credit card from 19 September 2013

Credit Card Repayment Insurance Policy wording (PDF 231.3 KB). Effective from 20 May 2019

Credit Card Repayment Insurance Policy (PDF 212.7 KB). Effective to 10 April 2011

Fees and limits

Investment statements

Product disclosure statements

Insurance policy wordings

Policy wordings for insurance distributed by Kiwibank

If your policy was issued before the effective date stated below, please refer to the policy wording that applies to you under the insurance section of our archived legal documents page.

Home Loan Insurance

Home Loan Insurance policy wording (PDF 1.0 MB). Effective from 14 May 2018

Life & Living Insurance

Life & Living Insurance Cover wording (PDF 215.9 KB). Effective from 9 July 2019

House, Car and Contents Insurance

Kiwi Insure House Insurance policy (PDF 1014.8 KB). Effective from 5 April 2018

Kiwi Insure Car Insurance - Comprehensive policy (PDF 589.7 KB). Effective from 5 April 2018

Kiwi Insure Car Insurance - Third Party Fire and Theft Insurance policy (PDF 482.1 KB). Effective from 5 April 2018

Kiwi Insure Car Insurance - Third Party Only Insurance policy (PDF 531.5 KB). Effective from 5 April 2018

Kiwi Insure Contents Insurance policy (PDF 1.0 MB). Effective from 1 July 2019

Credit Card Repayment Insurance

Credit Card Repayment Insurance policy wording (PDF 231.3 KB). Effective from 20 May 2019

Travel Insurance

Travel Insurance for Kiwibank Credit Cards policy (PDF 204.2 KB)

Personal Loan Insurance

Personal Loan Repayment Protection Insurance Brochure (PDF 471.3 KB). Effective from 3 December 2018

Financial adviser disclosures