Key features & benefits
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Use your own money to shop anywhere Visa is accepted.
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Withdraw cash from ATMs.
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Protection against unauthorised use of your card or account details.
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Add to your phone and pay on the go with Apple Pay or Google Pay™.
Rates & fees
Visa Debit Card annual fee |
What you’ll pay to have your Visa Debit Card
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Visa Debit Card cash advance fee |
When you use your Visa Debit Card to withdraw cash over the counter at another bank or financial institution
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Visa Debit Card disputed transaction fee |
When you dispute a transaction made using your Visa Debit Card
An investigation fee may also apply |
Visa Debit Card replacement fee |
When you ask for a replacement Visa Debit Card:
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How it works
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Spending
Shop anywhere Visa is accepted. Use it to make purchases from up to two of your accounts, including joint accounts.
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Add to your mobile wallet
It's easy to add this card to your mobile wallet, so you can pay with your phone or using Apple Pay or Google Pay™. Add it to your phone before your physical card arrives in the post.
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Overseas purchases
When using your card overseas for purchases or at an ATM, select ‘Credit’ and enter your PIN.
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Accounts
Get a Visa Debit Card with a Free Up account or a Kiwibank Revolving Credit Home Loan.
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Contactless payments
Use contactless payments for purchases on your card or mobile device.
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Security
You'll be protected against unauthorised use of your card or account details with Visa's Zero Liability policy.
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Offers
Get exclusive offers, ticket pre-sales and competitions with Visa Entertainment.
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Block or unblock your card
If you lose or have your Visa Debit Card stolen, you can use our mobile app to add a temporary block. See our step-by-step guide.
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Set or change a PIN on your card
You can set or change the PIN on your Visa Debit Card within the mobile app or internet banking.
Apply for a Visa Debit Card
To apply for a Visa Debit Card, you must be at least 13 years of age, and link your card to Free Up account or a revolving home loan.
New to Kiwibank?
Welcome! Complete our online application form to join Kiwibank and open your first account.
Join nowAlready a Kiwibank customer?
Log in to internet banking or the mobile app and go to Apply & Open to make it happen.
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Standard terms and conditions
Download Kiwibank’s Disclosure Statement or pick up a copy at your nearest Kiwibank.
Download the Kiwibank Apple Pay Terms & Conditions.
Download the Kiwibank Google Pay Terms & Conditions.
Retail products aren't available to financial institutions or wholesale customers.