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

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 you 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.


If you are in financial difficulty, we're here to help. See our financial hardship page for more information.

To increase your credit limit on your existing credit card or change to another card type, see our managing your card page.

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.

  • Financial information

    We'll need some details about what you earn, what you spend and what you owe. This will include:

    • Income
    • Household expenses - like food and electricity
    • Any financial obligations you might have - like loans, overdrafts or other credit cards.

    Having three months worth of recent bank statements handy can help you to complete these details.

  • Proof of income and expenses

    Once your application has been submitted we'll need to verify your income and expenses:

    • If you're already with us and use a Kiwibank account for all your income and expenses, there's nothing further you need to do
    • If you don't have a Kiwibank account, or you use a non-Kiwibank account for your income and expenses, you'll need to send us an email with three months worth of bank statements
    • If you're self employed we'll need to see IRD statements so we can verify your income.

Application process

  1. 1
    Tahi

    Apply

    Complete the online application form. It should take approximately 20-30 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 pre-populated with your details.

  2. 2
    Rua

    Processing

    We'll email you the working day after you submit your application to let you know what the next steps are.

  3. 3
    Toru

    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 a credit card below that suits you or compare credit card rates and fees.

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.