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. You must have a good credit history, be at least 18 years of age and be either a New Zealand citizen or a Permanent Resident Visa holder*.

Choose your card to apply online

You might just get approved on the spot.

Low rate

Our lowest purchase interest rate.

Other fees and interest apply. Interest rates are subject to change.

Low rate

No account fee and a lower interest rate.

Other fees and interest apply. Interest rates are subject to change.

Low rate

A low fee card with a higher limit and built-in travel insurance.

Other fees and interest apply. Interest rates are subject to change.

Airpoints rewards

Earn rewards, pay low fee and rates.

Other fees and interest apply. Interest rates are subject to change.

Airpoints rewards

Earn rewards as you spend.

Other fees and interest apply. Interest rates are subject to change.

Airpoints rewards

Our ultimate rewards card.

Other fees and interest apply. Interest rates are subject to change.

What to expect

  • You'll need to complete an application form - this will involve providing personal, employment, and financial information.
  • We'll process your application. It could be approved on the spot or we might need more information from you. Generally it takes between one to three working days for us to process.
  • If you're joining Kiwibank then we'll need to verify your identity in branch.