Apply for a credit card

You can apply for a credit card online, over the phone or at your nearest branch.

To apply, you must be at least 18 years of age, a New Zealand resident and have a good credit history.

Online

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.

By phone

If you’re already a Kiwibank Credit Card customer and you’d like to switch cards or you don’t have internet banking, you can apply over the phone on 0800 521 521 between the following hours:

  • Monday to Thursday: 7am - 9pm
  • Friday: 7am - 8pm
  • Weekends and selected public holidays*: 8am - 4:30pm

*Closed public holidays: Good Friday, Easter Sunday, Easter Monday, Christmas Day, Boxing Day, New Year’s Day and the day after New Year’s Day.

At your nearest Kiwibank

Contact your nearest full service Kiwibank to make an appointment. If we can’t see you straight away, we’ll make a time that suits you. If you’re new to Kiwibank, we’ll need to see some ID to verify your identity and address.

You can bring either:

  • your passport; or
  • your driver licence and a credit or ATM/EFTPOS card from another bank, with your name and signature on it; and
  • a document printed with your name and address that’s dated in the last six months such as a bank statement from another bank or a power, phone or utility bill.