If you’ve been financially impacted by COVID-19 and need support, see the range of initiatives we’ve put in place if you’re a personal banking customer or a business banking customer. For all other COVID-19 updates, see here.
Our branches are currently closed. Please use internet and phone banking. Latest information here.
Apply right here, right now. We'll let you know exactly what you need and you may be approved on the spot.
Apply nowLog in to Internet Banking or our mobile app and go to Apply & Open to make it happen.
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.
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 |
Interest rate on purchases |
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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.
To apply for an Air New Zealand Airpoints™ Low Fee Visa, you must be at least 18 years of age, a New Zealand permanent resident and have a good credit history.
Apply right here, right now. We'll let you know exactly what you need and you may be approved on the spot.
Apply nowLog in to Internet Banking or our mobile app and go to Apply & Open to make it happen.
Log in to Internet BankingIf 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.
Our lowest purchase interest rate.
Other fees and interest apply. Interest rates are subject to change.
No annual account fee and a lower interest rate.
Other fees and interest apply. Interest rates are subject to change.
Earn rewards as you spend.
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.