Activating your credit card

You'll need to activate your card whether it's a brand new credit card or a replacement card.

How to activate your credit card

If your card already has a PIN

If you’ve been sent a replacement card due to your other card expiring, getting damaged, lost or stolen, and you had a PIN loaded on that card, then your existing PIN will be transferred to your replacement card.

  • Use your credit card in a shop by inserting your new card in to the EFTPOS machine and entering your PIN. You'll now be able to use your card for all types of transactions.
  • Log in to internet banking, click on your credit card, then Additional Options and Details, then press Activate next to Card Status. Card activation isn’t available in the mobile app.

You’ll now be able to use your card for all types of transactions except contactless payments. To start making contactless payments, make a purchase in any store, by inserting your new card in to the EFTPOS machine and entering your PIN.

If your card doesn't have a PIN

If your credit card is brand new, or if you’ve switched from one card type to another e.g. from a Low Rate Visa to an Airpoints Platinum Visa, then the new card won’t come with a PIN.

  • Visit your nearest Kiwibank branch with Photo ID to add a PIN to your card. This will fully activate your credit card.
  • To activate your card without adding a PIN, you can log in to internet banking, click on your credit card, then Additional Options and Details, then press Activate next to Card Status. Card activation isn’t available in the mobile app.

You’ll be able to use your credit card for shopping online and you can still use your card in shops without a PIN - you’ll just have to sign for the payment rather than entering your PIN. Once you’ve made a purchase in a shop by signing for it, and the transaction is approved, you should then be able to make contactless payments.

You won’t be able to use your card in an ATM without a PIN.

Update your regular payments and card details

If your replacement card has new card details i.e. the numbers on the front of your card, expiry date and security code on the back, you’ll need to update any regular payments from your card and anywhere you’ve saved your card details to make it easier to pay for things. To help with this, look through recent credit card statements and transactions. You might also want to check out the following common examples.

  • Mobile phone companies – 2degrees, Vodafone, Spark, Skinny
  • Power companies – Genesis, Powershop, Meridian, Mercury, Flick, Contact, Nova Energy
  • Insurance companies – Kiwi Insure, Tower, AIA, Vero, AA, Southern Cross, State Insurance, AMI
  • Holiday bookings – booking.com, AirBnB, holidayhouses.co.nz, airlines e.g. airport parking bookings
  • Online shopping sites – Trade Me, Groupon, Grabone, Amazon, MightyApe, New World, Countdown, TicketMaster, eBay
  • TV and music subscriptions – Netflix, SkyTV, Spotify, Lightbox
  • Food deliveries – My Food Bag, HelloFresh, Uber Eats, Delivereasy
  • Fitness and gym subscriptions – Les Mills, City Fitness, Anytime Fitness, Snap Fitness, Jetts
  • Ride sharing apps – Uber, Zoomy, Ola, Lime, Jump
  • Buy Now Pay Later – AfterPay, Genoapay, Laybuy
  • Charitable donations – Red Cross, Cancer Society, SPCA