Paying your credit card

How can I make a payment to my credit card?

The easiest way to make a credit card payment is via any New Zealand banks online or internet banking service where you can:

  • Do a one-off payment
  • Set up an automatic payment
  • Transfer a payment from another Kiwibank account

If you'd prefer not to do payments online you can also:

  • Set up a direct debit so payments happen automatically
  • Transfer a payment through phone banking
  • Visit your local Kiwibank branch

More information on ways to pay your credit card.

In what order are payments made to my credit card?

Order of payments

For the purpose of calculating interest and balances, your payments are generally applied to the amounts owing on your card account in the following order:

Firstly, amounts from your existing monthly statement in the following order:

  1. Interest, fees and costs, then
  2. Balance transfers, then
  3. Cash advances, then
  4. Purchases with a special or promotional interest rate, then
  5. Other amounts, then

Secondly, amounts due to appear in your next monthly statement in the following order:

  1. Interest, fees and costs, then
  2. Balance transfers, then
  3. Cash advances, then
  4. Purchases with a special or promotional interest rate, then
  5. Other amounts

Within each of these categories, we can determine the order of payments, and payments will not necessarily be applied against the oldest amounts first. Also, when your monthly statement shows and amount that is due immediately, your payments will be applied to that amount before being applied to your minimum payment.

How can I view my credit card balance?

You can view your credit card balance in internet banking or by calling 0800 521 521.

Air New Zealand Airpoints™ customers can also view their balance by logging into your myairnz account. Using myairnz, you can also top up your Airpoints and access your credit card account with a link to your internet banking.

Fraud and security

My card has been lost or stolen – what should I do?

If your card has been lost or stolen within New Zealand, call us on 0800 521 521 and we’ll cancel your card immediately.

If you’re overseas, call us collect on +64 4 473 1133.

How do I dispute a transaction on my credit card statement?

If you find a transaction on your credit card statement that you didn't make, contact the company who charged you the transaction. If they’ve made the error, they’ll reverse the charge. If they can't help, contact us on 0800 521 521 and we’ll investigate the transaction for you.

Getting a credit card with Kiwibank

I'm transferring to a Kiwibank Credit Card – what do I need to do?

There are a few things you should do when transferring your credit card to Kiwibank:

  • If you want to transfer your balance from another bank’s credit or store card to your Kiwibank credit card, request the transfer when completing your Kiwibank credit card application form.
  • If you want to close your other credit or store card, speak with your card provider and they’ll arrange this for you.
  • If you have any payments or direct debits, subscriptions or bills coming out of your other credit or store card, you’ll need to change these over to your new Kiwibank credit card.
  • Transfers are subject to your Kiwibank approved credit limit. Interest will be charged on the amount you transfer from the date the transfer is processed. If the amount requested to be transferred exceeds your credit limit, Kiwibank may process a lesser amount up to your credit limit - we’ll discuss this with you first.
What’s the difference between “joint” and “additional” cardholders?

With a joint credit card, both cardholders are responsible (jointly and separately) for paying any balance owed on the account – so you’ll both need to pass a credit check when you apply.

Additional cardholders have no authority over the account – they can't make changes and they’re not responsible for paying the account balance. However, they can make purchases, do balance transfers, load their own PIN and set up their own internet and phone banking. We don't perform a credit check on additional cardholders.

Joint or additional cardholder fees


Can I use my credit card overseas?

Yes, you can use your Kiwibank Credit Card in 35 million outlets worldwide – anywhere that displays the Mastercard symbol.

You need a PIN number on your card to get cash out from an ATM. If you'd like a PIN loaded onto your Kiwibank Credit Card, visit your local Kiwibank.

Fees apply to cash advances and foreign currency transactions.

I want to use my credit card at hotels, motels and car rental agencies – anything I should know?

While Kiwibank Credit Cards are accepted at hotels, motels and car rental agencies, you should ensure that your available balance is 15% greater than the purchase amount.

From the day you check in or hire your car, the merchant will hold the expected purchase amount plus 15% until you complete the transaction. After you complete the transaction by paying the purchase amount, the merchant will continue to hold 15% of the purchase amount for up to 10 days, to cover any expenses picked up at a later date, such as toll calls, mini bar expenses or property damage.

How do I make a claim on my Mastercard Gold or Airpoints Platinum Mastercard Travel Insurance?

If you'd like to make a claim, let us know as soon as you can.

Call us on:

New Zealand – 0800 521 521

Overseas – call collect +64 9 985 5000

Find out more about Mastercard Travel Insurance

Should I let Kiwibank know if I'm intending on travelling overseas?

Yes, if you're going overseas and are going to use your credit card while you’re away, you should contact us prior to leaving New Zealand by sending us a secure message within your internet banking, or call us with the following:

  • The dates you're going
  • Where you're travelling to
  • How long you're going for
  • How we can contact you, while you're away.
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