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).
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 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.