You’ve probably noticed our Credit Card section looks a little different. No need to worry, we've recently revamped this section.
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.
Travel Insurance for eligible Kiwibank Credit Cards is provided by Tower Insurance Limited. Tower Insurance Limited is the only organisation responsible for claims under the policy. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products issued by, Tower Insurance Limited. Important terms, conditions and exclusions are set out in the Travel Insurance for Kiwibank Credit Cards Policy wording.
View information about Tower's financial strength rating and solvency margin on their website at tower.co.nz.
*This offer doesn't include KiwiSaver investments.