Sometimes zero is a hero – like when it comes to credit card account fees. Our Zero Visa has no account fee and a lower interest rate, making it great for everyday use.

Key features and benefits

  • No account fee for you and any joint or additional cardholders.

  • Standard purchase interest rate of .

  • Up to 55 interest free days on purchases.

Interest rates and fees

Interest rates are subject to change.

Account fee (every six months)

No fee

Joint/additional cardholder account fee (every six months)

No fee

Interest rate on purchases

Interest rate on cash advances

Interest free days

Up to 55

Balance transferred from a non-Kiwibank credit card


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 Zero 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 or our mobile app and go to Apply & Open to make it happen.

Log in to Internet Banking

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

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