Apply for a credit card

You can apply for a credit card online whether you’re new to Kiwibank or you’re an existing Kiwibank customer.

What you'll need to apply

Before you apply for a credit card, you’ll need to meet our lending criteria and have the following information handy.

Lending criteria

  • Be at least 18 years old
  • Be a New Zealand citizen or Permanent Resident Visa holder* living in New Zealand
  • Be able to meet your credit card repayments by having enough money left over after your expenses are paid
  • Have a good credit history – we’ll carry out a credit check as part of your application.

Handy information to have

  • Your financial information e.g. household expenses (food, electricity, etc.) and financial obligations (loans, overdrafts, etc.) – you can use your last three months of bank statements to help with this
  • Proof of income if you're not with Kiwibank e.g. three months of bank statements for the account where your income goes into
  • Proof of identity and address if you're new to Kiwibank – you can do this from your smartphone using ID Checker.

Apply for a credit card online

It usually takes between one to three working days to process your credit card application.