Find the right business credit card
Special
The best business credit card cashback earn rate in Aotearoa.
cashback for every $80 spent on eligible purchases.
Other fees and interest apply. Interest rates and cashback earn rate are subject to change.
Limited time offer
Get $250 cashback when you open a new Business+ Visa. T&Cs apply.
Manage business expenses with low interest, cardholder limits, and access to Visa commercial offers.
Other fees and interest apply. Interest rates are subject to change.
Business+ Visa launch offer
Get $250 cashback when you open a new Business+ Visa and spend at least $2,000 across a minimum of five transactions by 13 December 2026. Terms & conditions apply*
Getting the most out of your business credit card
Using your business credit card
Learn how your billing account and individual cardholder credit limits work together, how to make an early repayment or change the credit limits for your business.
Expense management
Take control of your business spending by integrating your Kiwibank Business Credit Card with expense management software for seamless reconciliation and smarter expense tracking.
Online banking
Manage your business finances with internet banking, our app, and by integrating your accounting software.
Apply for a business credit card
Have a Xero or MYOB account?
If you're a director of a New Zealand registered company with Xero or MYOB Business (Lite, Pro or AccountRight) apply online through Fast Capital.
Apply nowDownload & complete the application form
Email the completed form along with your last 12 months worth of business financials to business.banking@kiwibank.co.nz.
Download formTalk to a business banking specialist
Talk to one of our business banking specialists. They'll let you know what you need to do and what your options are.
Talk to usKiwibank's lending criteria, terms and conditions, and fees apply. Interest rate subject to change.
Business+ Visa: Cashback is earned only on eligible purchases. It will not be awarded on fees, interest, balance transfers, government charges, gambling transactions or chips, money orders, travellers’ cheques, foreign currency cash, cash advances or ATM withdrawals, or any transaction that is reversed, refunded, or charged back. Cashback will also not apply if your account is in breach of the Terms, not in good standing, flagged for fraud, abuse, illegality, or other prohibited activity, or in other instances outlined in our internal policies (including repeated refund behaviour).
*Cashback launch offer
To be eligible for the $250 cashback, you must:
- Open a new Business+ Visa between 9 July 2026 and 13 December 2026 (the Campaign Period); and
- Complete at least five transactions (ineligible transactions listed above), up to a minimum total value of $2,000, by 13 December 2026.
To meet the five transaction requirement, transactions may be made across any Business+ Visa cards opened during the Campaign Period, provided they are linked to the same business billing account. The cashback will be credited to the business billing account by February 2027, once all eligibility criteria have been met. The credit will appear on your monthly statement as a line item. Only one cashback incentive is available per eligible Business+ Visa billing account and per entity. The offer is non-transferable and cannot be redeemed for cash. We reserve the right to modify, suspend, or terminate this promotion at any time without prior notice.
Credit card accounts with positive balances are protected under the Depositor Compensation Scheme.