Our low interest credit cards

Save money on interest with our low rate credit cards.

Low Rate Mastercard

Our credit card with our lowest interest rate on purchases.

Standard purchase interest rate:

Six monthly account fee: $24.00

Interest free days: Up to 55

Other fees and interest apply.


Mastercard Zero

Don’t want to pay account fees? This is the credit card for you.

Standard purchase interest rate:

Six monthly account fee: No fee

Interest free days: Up to 55

Other fees and interest apply.


Mastercard Gold

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

Standard purchase interest rate:

Six monthly account fee: $40.00

Interest free days: Up to 55

Other fees and interest apply.


Need help deciding?

Not sure which card is right for you? Compare all our cards' rates and perks.

Standard terms and conditions

Other fees may apply. Interest rates subject to change. Important conditions and exclusions are set out in the Travel Insurance for Kiwibank Credit Cards Policy wording (PDF 195.8 KB). Kiwibank Mastercard Gold Travel Insurance is arranged by Kiwibank and is issued by Tower Insurance Limited.