A credit card with a higher credit limit, built-in travel insurance and up to 55 interest-free days on purchases.

Key features and benefits

  • 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.

  • Maximum credit limit of $20,000, minimum credit limit of $8,000.

Interest rates and 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.

Interest rate on purchases

Interest rate on 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.

Balance transferred from a non-Kiwibank credit card

for six months.

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.

How it works

Apply now

To apply for Platinum Visa, you must be at least 18 years of age, a New Zealand permanent resident and have a good credit history.

New to Kiwibank?

Apply right here, right now. We'll let you know exactly what you need and you may be approved on the spot.

Apply now

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to make it happen.

Log in to Internet Banking

By phone

If you're already a Kiwibank Credit Card customer or you don't have Internet Banking, you can apply over the phone.

Phone 0800 521 521

If you’re new to Kiwibank, we’ll need to see some ID to verify your identity and address.

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