Low Rate Mastercard®

The card that costs you less with our lowest purchase interest rate.

Mastercard® Zero

The card with no account fee.

Mastercard® Gold

A lower interest rate than rewards cards but with added benefits like higher credit limits and free travel insurance.


Pay off your credit card faster with a 0% p.a. balance transfer

Pay 0% p.a. interest for the first 12 months on any balance transferred from a non-Kiwibank credit card. Apply by 3 March 2019. T&Cs apply.

Learn more about our Low Rate Mastercard

Balance transfer offer terms and conditions

After 12 months our standard purchase interest rates will apply to any remaining balance transferred. Excludes business credit cards. Interest rates are subject to change. Kiwibank’s lending criteria, terms and fees apply.

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.