Cashback rewards into your business
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Earn $1 cashback for every $80 spent on eligible purchases.
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Automatic cashback, paid quarterly - no need to request it.
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Better manage cash flow with up to 55 interest free days on purchases.
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Set different spend limits for each cardholder, enabling spend tracking.
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Add to your phone and pay on the go with Apple Pay and Google Pay™.
How it works
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Earn Kiwibank Cashback Rewards
Every $80 spent on eligible purchases earns your business $1 cashback. Cashback accrues on qualifying purchases and is automatically credited to your billing account quarterly. There’s no cap on cashback earnings.
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Get up to 55 interest‑free days
To get up to 55 days interest‑free, you’ll need to pay your full balance by the due date each month. This doesn’t apply to cash advances.
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Make minimum monthly payments to avoid fees
You’ll need to make minimum monthly payments of 5% of your monthly statement balance, or $10, whichever is greater, to make sure you don’t get charged a late payment fee.
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Integrate your accounting & expense management tools
Share your business credit card transactions with expense management providers and connect your accounting software, like Xero or MYOB, to keep everything in sync. Easily track, approve and manage expenses in one place.
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Manage multiple cardholders
You'll have one business billing account that holds the total credit limit for your business. Individual cardholders have their own credit cards and monthly spending limits. Watch our quick guide to learn more about how this works.
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Access offers & discounts
Unlock partner offers that make it easier to track, approve and manage expenses, plus access Visa commercial offers designed to support your business.
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Protect against unauthorised use
Visa’s Zero Liability Policy can offer protection if someone uses your card or account details without your permission. If you spot a transaction you don’t recognise, you may be able to dispute it. Eligibility requirements apply.
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Add to your mobile wallet
Add the card to your mobile wallet and pay with your device using Apple Pay or Google Pay. You can also make contactless payments using the physical card.
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*
Interest rates & fees
Interest rates are subject to change.
Account fee (every quarter) |
$15 per card |
Interest rate on purchases & cash advances |
18.95% p.a. |
Interest free days |
Up to 55 Interest free period applies provided you pay off your entire outstanding debit balance in full each month by the due date. Interest free period doesn't apply to cash advances or balance transfers. |
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement $3 per late payment Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee. |
International transaction fee |
When you use your credit card for a foreign currency transaction that is processed overseas
You can expect to pay the International Transaction Fee when using your card abroad, and also when in New Zealand if you are shopping with a merchant that processes transactions overseas. Transactions may still be processed overseas, even if the merchant has a website address ending in ‘.co.nz’ and charges you in New Zealand Dollars (NZD). If so, the transaction will incur the fee. Please check with the merchant if it is not clear where a transaction is processed. |
Limits
Maximum amount for cash advance |
The maximum amount that you can withdraw or transfer from your credit card account. $1,000 per day from ATMs (no maximum number of withdrawals per day). $5,000 per day over the counter from banks and financial institutions, and via internet banking (limited to two withdrawals or transfers per day). |
Maximum number of cards |
You can have up to 20 cards linked to a single account, each with its own individual spending limit. If you intend to apply for larger number of cards, please contact us to discuss your requirements. |
Contactless transactions |
For purchases up to $200 in New Zealand, just tap your card on the reader to make a purchase. For purchases over $200, you can still tap your card, but you’ll need to sign or enter your PIN to complete the transaction. Different transaction limits may apply overseas. |
Frequently asked questions
It will appear as a transaction on your credit card statement. It will show on the first statement issued after the payment date, so it may not appear on your next statement if that statement is generated before the cashback is paid.
- 1 Jan - 31 Mar
- 1 Apr - 30 Jun
- 1 Jul - 30 Sep
- 1 Oct - 31 Dec
Cashback will be paid in the quarter following each spend quarter.
Kiwibank Cashback Rewards are calculated on a net spend basis. Net spend is defined as the total cleared purchases minus returns within the quarter. Cashback will only be applied to transactions that are settled and cleared, and only refunds or returns processed within the same quarterly window will reduce the net spend amount accordingly. You can use the earn rate to calculate this with the total net spend.
Eligible purchases exclude money orders; cash advances or ATM withdrawals, balance transfers, fees, interest, traveller's cheques, foreign currency cash, government charges, gambling transactions including online gambling, and transactions that're reversed, refunded or changed back.
To switch between Kiwibank business credit card types, complete the business credit card switch form and email it to business.banking@kiwibank.co.nz or your Relationship Manager.
Apply for a Business+ Visa
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. Cashback earn 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: 1. Open a new Business+ Visa between 9 July 2026 and 13 December 2026 (the Campaign Period); and 2. 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.