COVID-19 updates
We’ve got a range of initiatives to support you or your business, if you’ve been financially impacted by COVID-19, We also have guides to help you bank from home. For all other updates, see our COVID-19 page.
All our branches have returned to normal trading hours. See our latest branch updates for more information.
Want to take flight with an Air New Zealand Airpoints™ credit card? Or are you after a low rate, low fee, just-in-case credit card? However you want to use it, we’ve got a credit card to suit.
Get answers to your COVID-19 credit card questions
We know COVID-19 is creating a lot of uncertainty and you may have a few questions relating to your credit card. We have a special 'Ask Kiwibank Anything' COVID-19 Q&A hub specifically for card questions. If there’s a question you have that hasn’t been answered already, submit it to us to answer and we’ll publish it.
Find the right credit card for you
Low rate
Our card with our lowest purchase interest rate.
- balance transfer rate
- $15 six monthly account fee
- Up to 55 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Airpoints rewards
Earn rewards, pay low annual account fee and rates.
- Earn one Airpoints Dollar™ for every $160 of eligible spend*
- $12.50 six monthly fee
- Up to 44 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Low rate
Don't want to pay an annual account fee?
- balance transfer rate
- No account fee
- Up to 55 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Airpoints rewards
Earn rewards as you spend.
- Earn one Airpoints Dollar™ for every $120 of eligible spend*
- $32.50 six monthly fee
- Up to 44 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Low rate
A low interest rate with a higher limit and built-in travel insurance
- balance transfer rate
- $40 six monthly account fee
- Up to 55 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Airpoints rewards
Our ultimate rewards card.
- Earn one Airpoints Dollar™ for every $75 of eligible spend* and one Status Point for every $200
- $75 six monthly account fee
- Up to 44 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Getting the most out of your Kiwibank Credit Card
Apply for a credit card
To apply for a Kiwibank Credit Card, you must be at least 18 years of age, a New Zealand permanent resident and have a good credit history.
If you’re new to Kiwibank, we’ll need to see some ID to verify your identity and address. If you aren’t already an Airpoints member, we’ll sign you up for free when your Airpoints credit card is approved.
Standard terms and conditions
Lending criteria, terms and conditions, and fees apply. Interest rates, fees and limits subject to change. See all credit cards terms and conditions.
Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.
*Eligible purchases excludes fees or interest, balance transfers, credit card repayment insurance, gambling chips, money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.