Find the right credit card for you
Zero account fee and a great rate.
- No account fee
- $500 minimum credit limit
- Up to 55 days interest free.
Other fees and interest apply. Interest rates are subject to change.
With built-in travel insurance.
- Built-in travel insurance benefits
- $25 six monthly account fee
- Up to 55 days interest free.
Other fees, interest apply and eligibility criteria apply. Interest rates are subject to change.
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Getting the most out of your Kiwibank Credit Card
Apply for a credit card
You can apply online whether you’re a new or an existing Kiwibank customer.
Before you apply for a credit card, you’ll need to meet our lending criteria and have some information handy.
New to Kiwibank?
Apply right here, right now. We'll let you know exactly what you need and you may be approved on the spot.
Apply nowAlready a Kiwibank customer?
Log in to Internet Banking and go to Apply & Open to make it happen.
Log in to Internet BankingChanges to your existing card?
See how to increase your credit limit or change card types.
Find out moreOn 27 May 2025 we stopped offering our Air New Zealand  Airpoints™ Platinum Visa and Air New Zealand Airpoints™ Low Fee Visa. On 24 November 2021 we stopped offering our Air New Zealand Airpoints™ Standard Visa.
If you have one of these cards you can find information about their rates and fees on our products no longer offered page.
Standard terms and conditions
Lending criteria, terms and conditions, and fees apply. Interest rates, fees and limits subject to change. Download the Credit cards terms and conditions.
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.