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Compare business credit cards
Interest rates are subject to change.
| Empty header | ||
|---|---|---|
|
Account fee (every six months) |
$12.50 |
$30 |
|
Additional cardholder account fee (every six months) |
$12.50 |
$30 |
|
Interest rate on purchases and cash advances |
12.50% p.a. |
18.95% p.a. |
|
Interest-free days |
Up to 55 |
Up to 55 |
|
Minimum credit limit |
$500 |
$500 |
Fees
Service fees
International transaction fee |
When you use your credit card for a 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. |
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement
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. |
Limits
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. |
Minimum payments
Minimum payments
The minimum payment is either 5% of the closing balance of your monthly statement or $10, whichever is greater. You're not required to make a minimum payment if your closing balance is less than $10 (unless we specifically ask you to) or a credit amount. Minimum payments must be made each month (if required) on or before the payment due date shown on your statement.
You may at any time make additional payments over and above your minimum payments. You can make payments to your credit card account in any of the following ways:
- by automatic payment, bill payment or direct debit;
- by internet, mobile or phone banking;
- at your nearest Kiwibank.
We may at any time require you to immediately pay us all or part of the outstanding debit balance on your credit card account.
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.
Credit card accounts with positive balances are protected under the Depositor Compensation Scheme.