Love Your Perks member package

Get better value banking options on home loans, credit cards and insurance if you're an employee of an eligible employer. This is our way of saying thanks to our extended whānau.

To take advantage of these benefits

  1. 1
    Tahi

    Check you meet the eligibility criteria

    • You'll need to be a permanent employee or a contractor (employed for a minimum of six months) with one of the following Eligible Employer companies:
      • Kiwibank
      • Air New Zealand
      • NZHL
    • Your salary needs to be direct credited into your Kiwibank or NZHL-arranged home loan bank account
    • You'll need to provide us with proof of your employment with an Eligible Employer.
  2. 2
    Rua

    Get in touch

    • Join Kiwibank online or at your nearest branch. If you're visiting a branch you'll need to take some ID and proof of address.
    • To join NZHL, you can get in touch with an NZHL Adviser on 0800 333 237
    • Once your accounts have been set up, or if you're already an existing customer, call 0800 628 372 or email loveyourperks@kiwibank.co.nz to confirm:
      • your Kiwibank or NZHL access number
      • your employer and
      • confirmation that your salary is being deposited into a Kiwibank or NZHL-arranged home loan bank account

    Contact centre hours

  3. 3
    Toru

    Getting the benefit of your perks

    • Home loan and credit card benefits
      Benefits will automatically be applied once you've confirmed your eligibility, this includes when you get a home loan or credit card in the future, or make changes such as refixing your home loan.
    • House, contents and car insurance benefits
      To get insurance benefits, and confirm you're a Love Your Perks member, call 0800 222 491.

    When the benefit has been added you’ll receive a confirmation letter.

Love Your Perks benefits

Love Your Perks gives you discounts and offers on home loans, credit cards and insurance.

Love Your Perks eligibility criteria applies, together Personal and Business Banking General Terms and Conditions (PDF 469.9 KB) and Kiwibank’s credit criteria (where applicable) and Personal Banking Fees and Limits (PDF 291.7 KB) and any third party partner terms and conditions for products offered by them.

Once you're a Love Your Perks member, you’ll have access to these benefits:

Home loans

Love Your Perks home loan benefits are available for your personal banking purposes (not business banking products), including Kiwibank and NZHL-arranged home loans for Family Trusts and Limited Liability Companies where the eligible member (defined as an Eligible Employee above) is an individual who is responsible for the Kiwibank or NZHL-arranged home loan(s) and has authority to operate the account.

Find out more about Kiwibank Home Loans.

Credit cards
Insurance

You’ll enjoy up to 10% off premiums on house, contents or car insurance policies. This is in addition to any multi-policy package discount but doesn’t apply to GST or any Government levies.

To discuss what insurance is right for you, call 0800 222 491. Let them know you’re a Love Your Perks member.

The important stuff

If you're an Eligible Employee of an Eligible Employer, as set out at the top of this page, under bullets 1 and 2, the following important stuff will apply.

What changes can we make?

  • If you’re no longer an Eligible Employee, the Love Your Perks benefits can be removed immediately. If you have an existing fixed term product (like a term deposit or a fixed rate home loan), you’ll enjoy those Love Your Perks benefits until the end of the product’s fixed term
  • We (Kiwibank) reserve the right to remove Love Your Perks benefits at any time
  • We (Kiwibank) may change the eligibility criteria, terms, conditions and benefits by giving you not less than 14 days’ written notice.

Unless you tell us that you’d rather receive communications by post, all communications will be delivered electronically (i.e., text message, email or through internet banking).

Your personal information

  • We take the protection of your information seriously. We comply with the Privacy Act 2020 and any other legal obligations we have relating to the protection of information. 
  • For details about how we collect and handle your information, please see our Privacy Policy. 
  • Telling us (Kiwibank) you’re eligible for Love Your Perks benefits means you give us permission to share your name, IRD number, member ID or staff ID number with an Eligible Employer to confirm you’re an Eligible Employee.

Other important info

Our (Kiwibank’s) General Terms and Conditions (PDF 469.9 KB) and fees apply to all Kiwibank products, services and package benefits. Interest rates are subject to change. See our standard contracts page.

Love Your Perks member benefits are not available for business banking, or any other Kiwibank or NZHL-arranged home loan offer or benefit.

Joint accounts are eligible for Love Your Perks benefits provided the Eligible Employee is, and remains, a primary account owner.

By signing up to Love Your Perks, you’re asking us to apply the member benefits for all current and future eligible accounts/products. Love Your Perks benefits may take up to 30 days to appear on your eligible accounts/products. If you’re already a Kiwibank or NZHL customer and you have a fixed term product, the benefits will not apply until the end of the current fixed term (e.g., at the end of the home loan fixed rate period).

Home loans

Love Your Perks benefits apply to Kiwibank Home Loans and NZHL-arranged home loans. Kiwibank’s lending criteria, terms and conditions and fees apply. NZHL’s lending criteria, terms and conditions and fees apply.

Cash contributions may be available and are conditional on your banking relationship with us not changing significantly over a period of four years. If it does, we may require repayment of your cash contribution. You'll be required to sign an agreement with us setting out the cash contribution terms.

Air New Zealand Airpoints credit card

Kiwibank is the issuer of the Airpoints credit card. Kiwibank’s lending criteria, terms and conditions and fees apply.

Air New Zealand’s Airpoints programme terms and conditions apply, visit airnewzealand.co.nz/airpoints

Airpoints Dollars is Air New Zealand’s registered trademark and is Air New Zealand’s Airpoints programme currency.

Built-in overseas travel insurance (for eligible Kiwibank Credit Cards)

Arranged by Kiwibank and managed by AWP Services New Zealand Limited trading as Allianz Partners (FSP758611) and underwritten by Tower Limited. Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited. Important terms, conditions and exclusions are set out in the Travel Insurance policy wording (PDF 644.2 KB).

Personal loans

Personal loans are provided by Latitude Financial Services Limited ('Latitude'). Kiwibank receives remuneration for referring a personal loan to Latitude. Latitude’s lending criteria, terms and conditions, and fees apply. From 30 September 2023 we’re no longer offering reduced interest rate and establishment fee waiver for personal loans to Kiwibank Love Your Perks members. Any existing agreements you have in place will continue to be honoured, but not available for new lending.

House, contents and car insurance

Provided by The Hollard Insurance Company Pty Ltd (“Hollard”). Hollard is the only organisation responsible for claims under this cover. Administration of House, Contents and Car Insurance and claims handling services are managed by Ando Insurance Group on behalf of Hollard. If you arrange your insurance through Kiwibank, Kiwibank doesn’t guarantee the obligations of, or any product issued by, Hollard. Kiwibank may receive a commission on any insurance it arranges.

Important terms, conditions and exclusions are set out in the House, Contents and Car Insurance policy wordings. If you already have House, Contents or Car Insurance and your policy was issued before 5 April 2018, your policy will have been provided by Tower Insurance Limited, who are the only organisation responsible for claims under this policy. You’ll need to refer to the legal documents archive for full details, terms, important conditions and exclusions. If you arranged your insurance through Kiwibank, you need to know that Kiwibank doesn't guarantee the obligations of, or any product issued by, Tower Insurance Limited.

From 1 December 2022 Kiwibank Love Your Perks members are no longer eligible for Tower Insurance Limited policy discounts for new or replacement policies. For existing policies, from 1 March 2023, the change will take effect from your next renewal date. Policies with a renewal effective date prior to 1 March 2023 will continue to receive the full discount until the renewal the subsequent year.

Download the Love Your Perks (PDF 140.0 KB) brochure.