Pay by card using your own money
-
Use your own money to pay online, in store and overseas straight from your everyday account.
-
Withdraw cash from ATMs.
-
Stay protected against unauthorised use of your card or account details.
-
Access exclusive offers, ticket pre‑sales and competitions available through Visa Entertainment.
How it works
-
Choose which accounts you spend from
When you order your card, you’ll choose a primary account linked to the ‘CHQ’ on EFTPOS terminals. You can link a secondary account 'SAV'. Link a Free Up account, a Revolving Home Loan, or a combination of both, including joint accounts.
-
Activate your card & set or change your PIN
You'll need to activate your card before you start using it. You can set or change the PIN on your Visa Debit Card anytime in the mobile app or internet banking.
-
Contactless & mobile payments
Make contactless payments with your card or mobile wallet, even before your physical card arrives. For purchases over $200 in New Zealand, you’ll need to enter your PIN or sign.
-
Control your card in real time
If your Visa Debit Card is lost or stolen, block or unblock it in the mobile app. You can still pay with Apple Pay or Google Pay™ while your card is blocked.
-
Know your daily card limits
You can withdraw up to $2,500 per day from ATMs and make purchases up to $10,000 per day. See our rates and fees for more information.
-
Use your card overseas
When overseas, select ‘Credit’ and enter your PIN to use your primary linked account. Your secondary linked account isn’t available overseas. Contactless payment limits can vary by country. An international transaction fee applies.
-
Transactions processed overseas
An international transaction fee applies to transactions that are processed overseas. This can include online purchases made in New Zealand if the merchant or payment processor is based overseas.
-
Protected against unauthorised use
Visa’s Zero Liability Policy may protect you if someone uses your card or account details without your permission. If you spot a transaction you don’t recognise, you may be able to dispute it. Eligibility requirements apply.
Apply for a Visa Debit Card
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.
Log in to Internet BankingYou may be interested in
Standard terms and conditions
Terms and conditions and fees apply. Fees and limits subject to change.
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.