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

From 24 November 2021, we’ll no longer offer the Platinum Visa

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

Key features & 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 & fees

Interest rates are subject to change.

Account fee (every six months)

$40

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

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

Minimum credit limit

$8,000

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 for a Platinum Visa

You can apply online whether you’re a new or an existing Kiwibank customer.

New to Kiwibank?

Complete our online application form to apply for a credit card. We'll also need to verify your identity.

Apply online

Already with us?

If you're an existing Kiwibank customer, you can log in to Internet Banking or our mobile app to apply.

Log in to Internet Banking

Before you apply for a credit card, you’ll need to meet our lending criteria and have some information handy.

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