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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.
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.
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.
We'll need some details about what you earn, what you spend and what you owe. This will include:
Having three months worth of recent bank statements handy can help you to complete these details.
Once your application has been submitted we'll need to verify your income and expenses:
If you're new to Kiwibank, you'll need to provide proof of your identity and address. You can do this:
Find out more about verifying your identity and address.
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.
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.
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.
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.
Our lowest purchase interest rate.
Other fees and interest apply. Interest rates are subject to change.
No annual account fee and a lower interest rate.
Other fees and interest apply. Interest rates are subject to change.
A low annual account fee card with a higher limit and built-in travel insurance.
Other fees and interest apply. Interest rates are subject to change.
Earn rewards, pay low annual account fee and rates.
Other fees and interest apply. Interest rates are subject to change.
Earn rewards as you spend.
Other fees and interest apply. Interest rates are subject to change.
Our ultimate rewards card.
Other fees and interest apply. Interest rates are subject to change.
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.