Visa Debit Card

Use a Kiwibank Visa Debit Card to buy things online, in store and overseas, using your everyday account. This is managing your money with flexibility.
Visa debit card
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New to Kiwibank?

Welcome! Complete our online application form to join Kiwibank and open your first account.

Join now

Already a Kiwibank customer?

Log in to internet banking or the mobile app and go to Apply & Open to make it happen.

Log in to Internet Banking

Key features & benefits

  • Use your own money to shop anywhere Visa is accepted; online, overseas and over the phone.

  • Withdraw cash from ATMs that accept Visa worldwide.

  • Protection against unauthorised use of your card or account details.

Rates & fees

Visa Debit Card annual fee

What you’ll pay to have your Visa Debit Card

  • $10 per card per annum (waived for the first year of the first card and for Tertiary Pack customers. As of 1 February 2021, we no longer offer our Tertiary Packs to customers.)

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

  • $6 per withdrawal

Visa Debit Card disputed transaction fee

When you dispute a transaction made using your Visa Debit Card

  • $15 per transaction receipt requested

An investigation fee may also apply.

Visa Debit Card replacement fee

When you ask for a replacement Visa Debit Card:

  • $15 for standard delivery within New Zealand
  • $20 for urgent delivery within New Zealand
  • $20 for standard international delivery
  • $50 for urgent international delivery
See all rates & fees

How it works

  • Spending

    Shop anywhere Visa is accepted; online, overseas and over the phone. Use it to make purchases from up to two of your accounts, including joint accounts.

  • Overseas purchases

    When using your card overseas for purchases or at an ATM, select ‘Credit’ and enter your PIN.

  • Offers

    Get exclusive offers, ticket pre-sales and competitions with Visa Entertainment.

  • 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.

  • Accounts

    Get a Visa Debit Card with a Free Up account or a Kiwibank revolving credit home loan.

  • Security

    You'll be protected against unauthorised use of your card or account details with Visa's Zero Liability policy.

  • Contactless payment

    Use contactless payments to tap for purchases under $200, and tap and PIN for purchases over $200.

  • 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. To do this:

    1. Log in to the mobile app

    2. Go to 'Cards'

    3. Choose the card you want to block or unblock

    4. Tick or untick 'Block transactions on this card'.

    Loading a block on your card will stop any transactions from being made. The block can also be removed at any time from within the app. Just untick the ‘Block transactions on this card’.

Apply for a Visa Debit Card

To apply for a Visa Debit Card, you must be at least 15 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 now

Already a Kiwibank customer?

Log in to internet banking or the mobile app and go to Apply & Open to make it happen.

Log in to Internet Banking

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Standard terms and conditions

Download Kiwibank’s Disclosure Statement (PDF 2.1 MB) or pick up a copy at your nearest Kiwibank.

Retail products aren't available to financial institutions or wholesale customers.