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.

To activate your card:

  • Log in to internet banking, click on your credit card, then 'Additional Options and Details', then select 'Activate' next to 'Card Status'.
  • Or use your credit card in any store, by inserting your new card into the eftpos machine and entering your current PIN. You’ll now be able to use your card for all types of transactions.

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 Zero Visa to an Airpoints Platinum Visa, then the new card won’t come with a PIN.

To activate your card:

  • Set a PIN using the mobile app. Log into the mobile app, go to 'Cards', choose the card you want, select 'Set/Change PIN', then enter your new PIN, and re-enter your new PIN (to confirm it). This will fully activate your card.
  • Set a PIN using internet banking. Log into internet banking, go to 'Cards', choose the card you want, select 'Set/Change PIN', then enter your new PIN, and re-enter your new PIN (to confirm it). This will fully activate your card.
  • Visit your nearest Kiwibank with valid photo ID (such as your passport or NZ driver licence) to add a PIN to your card. This will fully activate your card.
  • To activate your card without adding a PIN, log into internet banking, click on your credit card, then 'Additional Options and Details', then select 'Activate' next to 'Card Status'. You'll only be able to use your card for transactions that don’t require 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