We're changing our credit cards from Mastercard® to Visa. Here's what you need to know.

You'll be getting a new credit card

Your Mastercard credit card will be swapped to the equivalent Visa credit card. So, for example, if you have a Low Rate Mastercard, you’ll get a Low Rate Visa. Or if you have an Air New Zealand Airpoints™ Low Fee Mastercard, you’ll receive an Air New Zealand Airpoints Low Fee Visa.

We’ll be in touch with more information a few weeks before we send your new Visa card. You’ll receive either an email or letter from us. To ensure we can contact you, please check your email address, postal address and phone number are up-to-date. You can do this through internet banking or the mobile app.

What's changing and what's not

Rest assured, not a lot’s changing.

There’s no change to your terms and conditions, credit limit, how you use your card or pay your credit card bill. You’ll also continue to enjoy the same features and benefits. And your existing rates and fees aren't changing either.

However, with the move to Visa, your card details will change. You’ll get a new card number, expiry date and security number (three digits on the back). This means you'll need to update any regular payments from your card. Below we've provided instructions on what you'll need to do.

What you'll need to do

Before your new card arrives

  • Check all your contact details are up-to-date, including email address, postal address and phone number. This will ensure we can get in touch with you and your new Visa card is sent to the right address. You can check and update your details in internet banking or the mobile app - just log in, click on Settings, then Personal details.
  • We'll send you an email or letter to let you know when your card will arrive. If the time doesn't suit, or you're going to be away, get in touch and we can arrange to send your card at a different time. Call our specialist team on 0800 528 472 or let us know about your travel plans in internet banking or the mobile app - log in, click on Settings, then Overseas Travel and add your trip details.

When your card arrives

Activate your Visa card as soon as possible

Follow the specific instructions in the letter that comes with your card. You can also use one of the two options below, however with these options you won’t be able make contactless payments.

  • Log into 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.
  • Call our specialist team on 0800 528 472.

To start making contactless payments, make a purchase in any store, by inserting your new card into the EFTPOS machine and entering your PIN. If you don’t have a PIN on your card, you won’t be able to make contactless payments, make a purchase where you need to enter a PIN or use ATMs.

Update your regular payments and card details

Your card will have new details including a different card number and expiry date on the front and a new three-digit security number on the back. This means 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

Frequently asked questions

For a full list of frequently asked questions about the move to Visa, visit our FAQs page.

When can I expect my card?

You'll get a new Visa card in the next few months. We’ll contact you by email or letter a few weeks before we send your card.

If that time doesn’t suit, call our specialist team on 0800 528 472 and we can arrange to send it at a different time.

What should I do if I’m going away in the next few months?

If you’re going to be away, you can let us know about your travel plans through internet banking or the mobile app. We’ll make sure your card isn’t sent while you’re away.

What do I need to do when I get my new card?

Activate your card and update any regular payments e.g. insurance, power. Check the letter that comes with your new Visa for instructions on how to activate your card.

Can I keep using my existing PIN?

In most cases yes. We'll let you know this in the letter that comes with your card.

What happens to the regular payments going out from my current Mastercard?

You’ll need to update these payments because your new Visa card will have different details from your Mastercard. When your Visa card arrives you’ll need to provide your new card details to anyone you make regular payments to, like your insurance or power provider. To get started, check out the common examples further up the page.

When will my Mastercard stop working?

We'll let you know the exact date on the letter that comes with your card. Your old card will continue to work for at least month after your Visa is sent. This will give you time to activate your card and update any regular payments.

What does this change mean for me if I have an Air New Zealand Airpoints credit card?

Your card will be swapped from a Mastercard to a new Visa card. There's no change to the Air New Zealand and Kiwibank partnership or the features and benefits on your new Air New Zealand Airpoints Visa card.

Get in touch with our team

Check out our frequently asked questions or call our specialist team on 0800 528 472 (+64 4 439 2828 if you’re overseas) during the times listed below:

  • Monday to Thursday: 7am – 9pm
  • Friday: 7am – 8pm
  • Weekends and selected public holidays*: 8am – 4:30pm

*Closed public holidays: Good Friday, Easter Sunday, ANZAC Day, Christmas Day, Boxing Day, New Year’s Day and the day after New Year’s Day.