Our credit cards

Low rate credit cards

If you’re a low fuss, low key kind of spender, then a low rate credit card might be just what you’re looking for.

See all our low rate cards

Airpoints™ credit cards

Get a tailwind behind your travel plans with an Air New Zealand Airpoints™ credit card that earns you Airpoints Dollars™ .

See all our Airpoints cards

Compare credit cards

Compare fees, interest rates, interest-free periods on purchases, rewards and other features and benefits.

Find the right card for you

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.

Find out more

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.

Find out more

Rates & fees

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

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Getting the most out of your credit card

How credit cards work

Want to change your limit, add another cardholder or change to another credit card?

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How to read your statement

Take the time to read your credit card statement, so you know what you have to pay and when.

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Tips to keep your credit card secure

Simple tips to make sure you're not paying more fees or higher interest than you need to.

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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.

Overdrafts

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