Apply for a credit card

You can apply for a credit card online whether you’re new to Kiwibank or if you’re already with us. Before you apply there's some criteria you'll need to meet, and there's a few checks we'll need to do before we can offer you a credit card.

Before you apply

It's a good idea to do a credit assessment on yourself before you apply. Visit the Centrix website to do your own credit assessment, your score will need to be rated fair, average, very good or excellent to apply. It doesn't impact your credit score and could save you time.

You'll need to meet the following eligibility and 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.

If you are in financial difficulty, we're here to help. See our financial hardship page for more information.

To increase your credit limit on your existing credit card or change to another card type, see our managing your card page.

What you'll need to provide us

As part of your application we'll need to verify your income, expenses and who you are. If you're already with us, we'll have some of these details already.

Application process

  1. 1


    Complete the online application form. It should take approximately 20-30 minutes to complete. If you're already a Kiwibank customer, you can apply within internet banking or our mobile app where some of the form will be pre-populated with your details.

  2. 2


    We'll email you the working day after you submit your application to let you know what the next steps are.

  3. 3

    It's on its way

    If approved, we'll send you your new credit card in the post.

    When it arrives, follow the instructions that come with the card to activate it and to add a PIN.

Apply for a credit card online

If you think you meet the above criteria you can start your application now. Choose a credit card below that suits you or compare credit card rates and fees.