As of 24 November 2021, we stopped offering our Platinum Visa.

If you’re an existing cardholder, you can continue to use your card as usual.

Features & benefits for existing cardholders

  • Standard purchase interest rate of

  • Built-in overseas travel insurance if you pay for your travel and/or accommodation before you leave New Zealand. Other conditions apply.

  • Up to 55 interest free days on purchases.

Interest rates & fees

Interest rates are subject to change.

Account fee (every six months)


Waived if you have an outstanding home loan balance or deposits of at least $150,000 with Kiwibank.

Joint/additional cardholder account fee (every six months)

$10 per card

We’ll waive this fee if you’ve an outstanding home loan balance or deposits of $150,000 or more with Kiwibank on the fee assessment date.

Interest rate on purchases and cash advances

Interest free days

Up to 55

Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers.

Minimum credit limit


Late payment fee

When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement

$5 per late payment

Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee.

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