If you're financially impacted by COVID-19 and need support, see how we can help you. For information on latest branch opening hours in the Northland, Auckland and Waikato regions see our branch updates page.
Complete our online application form to apply for a credit card. We'll also need to verify your identity.
Apply onlineIf you're an existing Kiwibank customer, you can log in to Internet Banking or our mobile app to apply.
Log in to Internet BankingCan’t decide if you want low fees or travel rewards? Get both with an Air New Zealand Airpoints™ Low Fee Visa.
From 24 November 2021, the interest rate for cash advances on our Air New Zealand Airpoints Low Fee Visa will decrease from 22.95% p.a. to 16.90% p.a.
Account fee of just $12.50 every six months and $5 for joint or additional cardholders.
One Airpoints Dollar™ for every $160 of eligible spend*.
Standard purchase interest rate of
Interest rates are subject to change.
Airpoints Dollars |
Earn one Airpoints Dollar for every $160 spent on eligible purchases*, or one Airpoints Dollar for every $140 spent on Air New Zealand products bought directly from Air New Zealand. As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire. |
Account fee (every six months) |
$12.50 |
Joint/additional cardholder account fee (every six months) |
$5 per card |
Interest rate on purchases |
|
Interest rate on cash advances |
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Interest free days |
Up to 44 Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers. |
Balance transferred from a non-Kiwibank credit card |
for |
Minimum credit limit |
$1,000 |
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement $5 per late payment Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee. |
Minimum monthly payments of 5% of your monthly statement balance, or $10, whichever is greater, to make sure you don’t get charged a late payment fee.
To qualify for 44 days interest free, you’ll need to pay off your entire balance by the due date each month. The interest free period doesn’t apply to cash advances.
As long as you have a current credit card and you’re the primary cardholder, your Airpoints Dollars will never expire.
You can apply for an Air New Zealand Airpoints™ Low Fee Visa online whether you’re a new or an existing Kiwibank customer.
Complete our online application form to apply for a credit card. We'll also need to verify your identity.
Apply onlineIf you're an existing Kiwibank customer, you can log in to Internet Banking or our mobile app to apply.
Log in to Internet BankingBefore you apply for a credit card, you’ll need to meet our lending criteria and have some information handy. If you aren’t already an Airpoints member, we’ll sign you up for free when your Airpoints credit card is approved.
No annual account fee and a lower interest rate.
Other fees and interest apply. Interest rates are subject to change.
Our ultimate rewards card.
Other fees and interest apply. Interest rates are subject to change.
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, 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.
Retail products aren't available to financial institutions or wholesale customers.