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

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.

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. Apply

    Complete the online application form. It should only take 10-15 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 prepopulated with your details.

  2. Processing

    It usually takes one to three working days to process a credit card application. We'll email you to let you know the outcome.

    If there's anything extra we need from you at this stage, we'll give you a call or email.

  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 the credit card that suits you or compare credit card rates and fees.