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 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.
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.
*A Permanent Resident Visa is different to a Resident Visa. If you hold a Resident Visa, you won’t be able to apply for a Kiwibank Credit Card, you have to hold a Permanent Resident Visa.
Retail products aren't available to financial institutions or wholesale customers.