Apply now

To apply for a Kiwibank credit card you must be at least 18 years of age, a New Zealand resident, and have a good credit history.

If you’re not already a Kiwibank customer, we’ll need to see some ID to verify your identity and your address. Find out more.

Ways to apply

New to Kiwibank?

Apply online

Already a Kiwibank customer?

Login to internet banking

Transferring your balance?

Balance transfer

Managing your card

Get your head around how credit cards work and how you can use them wisely with information on payments, features, and security.

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Lost or stolen card?

If your credit card has been lost or stolen, give us a call on 0800 521 521 and we'll cancel it immediately. Or, put a temporary block on your card using our mobile app.

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Rates & fees

Compare interest rates, fees and limits on Kiwibank Credit Cards, including Air New Zealand Airpoints Credit Cards.

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Visa Debit Card

With a Visa Debit card, you can spend your own money to buy things online, over the phone, overseas and anywhere Visa is accepted.

Personal loans

Our personal loans are designed to help you with bigger purchases or expenses – whether it's a new set of wheels, attending an unmissable event, or consolidating your debts.


Cover temporary cash shortfalls with an overdraft. Borrow money from your bank account and dip into negative territory, up to an approved limit.