Credit cards
Take flight with an Air New Zealand Airpoints™ credit card. Or, a low rate, low fee, just-in-case credit card. However you want to use it, we’ve got a credit card to suit. This is choosing what works for you.
Find the right credit card for you
The card with zero account fees and our lowest interest rate.
- No account fee
- Our lowest purchase and cash interest rate card
- Up to 55 days interest free.
Other fees and interest apply. Interest rates are subject to change.
Earn rewards, pay a 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.
Our ultimate rewards card with the best Status Point earn rate.
- Earn one Airpoints Dollar™ for every $85 of eligible spend* and one Status Point for every $200
- $75 six monthly account fee
Other fees and interest apply. Interest rates are subject to change.
Applying for a credit card
Due to recent consumer lending laws (CCCFA) there's a delay of around six to eight weeks on credit cards applications. Find out more about the changes.
2,000kgs of plastic recycled into cards
All our EFTPOS, debit and credit cards are now made of 82% recycled plastic. This will help remove our carbon emissions as a business and reduce new plastic from being created.
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.
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 BankingOn 24 November 2021 we stopped offering our Low Rate Visa, Platinum Visa, and 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. If you have a Low Rate Visa, the features, rates and fees are the same as our Zero Visa.
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 spend excludes fees or interest, balance transfers, credit card repayment insurance, gambling chips, gambling transactions (including online gambling), 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.
**As of 1 April 2021, customers are no longer able to apply for Credit Card Repayment Insurance when opening a new credit card account.
Retail products aren't available to financial institutions or wholesale customers.