Compare credit cards
Interest rates are subject to change.
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Account fee (every six months) |
$0 |
$25 |
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Joint/additional cardholder account fee (every six months) |
$0 |
$5 per card |
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Built-in travel insurance1 |
— |
Domestic and overseas benefits |
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Interest rate on purchases and cash advances |
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Interest-free days2 |
Up to 55 |
Up to 55 |
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Balance transferred from a non-Kiwibank credit card |
Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) |
Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) |
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Minimum credit limit |
$500 |
$5,000 |
Interest rates are subject to change.
1Built-in travel insurance is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.
2Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers.
Service fees
Cash advance fee |
When you withdraw cash or transfer money from your credit card account. Internet banking or mobile app
Cash advance in New Zealand - ATM or staff assisted
Cash advance overseas - ATM or staff assisted
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International transaction fee |
When you use your credit card for a foreign currency transaction. 1.85% of the New Zealand dollar amount once converted. This will show on your internet banking and the mobile app as:
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Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement.
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. |
Replacement card fee |
When you ask us for a replacement credit card.
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Urgent card delivery fee – in New Zealand |
Courier charge for urgent delivery of a credit card in New Zealand
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Urgent card delivery fee – International |
Courier charge for urgent delivery of a credit card worldwide
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Limits
Maximum amount for cash advance |
The maximum amount that you can withdraw or transfer from your credit card account. Kiwibank Zero Visa, Air New Zealand Airpoints Low Fee Visa and Air New Zealand Airpoints Standard Visa $1,000 per day from ATMs (no maximum number of withdrawals per day). $5,000 per day over the counter from banks and financial institutions, and via internet banking (limited to two withdrawals per day). Kiwibank Platinum Visa $3,000 per day from ATMs (limited to five withdrawals per day). $7,500 per day over the counter from banks and financial institutions, and via internet banking (limited to two withdrawals per day). Air New Zealand Airpoints Platinum Visa $3,000 per day from ATMs (limited to five withdrawals per day). $7,500 per day over the counter from banks and financial institutions, and via internet banking (limited to ten withdrawals per day). |
Contactless transactions |
For purchases up to $200 in New Zealand, just tap your card on the reader to make a purchase. For purchases over $200, you can still tap your card, but you’ll need to sign or enter your PIN to complete the transaction. Different transaction limits may apply overseas. |
Minimum payments
The minimum payment is either 5% of the closing balance of your monthly statement or $10, whichever is greater. You're not required to make a minimum payment if your closing balance is less than $10 (unless we specifically ask you to) or a credit amount. Minimum payments must be made each month (if required) on or before the payment due date shown on your statement.
You may at any time make additional payments over and above your minimum payments. You can make payments to your credit card account in any of the following ways:
- by automatic payment, bill payment or direct debit;
- by internet, mobile or phone banking;
- at your nearest Kiwibank.
We may at any time require you to immediately pay us all or part of the outstanding debit balance on your credit card account.
Interchange fees
When a transaction is made on a Visa credit card, the bank that processes that transaction for the merchant pays a fee to the bank that issued the credit card. This fee is called an interchange fee. See the interchange fees that apply to transactions made in New Zealand on Kiwibank-issued Visa credit cards.
Apply for a credit card
To apply for a Kiwibank Credit Card, you must be at least 18 years of age, a New Zealand permanent resident and have a good credit history.
If you’re new to Kiwibank, we’ll need to see some ID to verify your identity and address.
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 nowAlready a Kiwibank customer?
Log in to Internet Banking and go to Apply & Open to make it happen.
Log in to Internet BankingChanges to your existing card?
See how to increase your credit limit or change card types.
Find out moreOn 27 May 2025 we stopped offering our Air New Zealand  Airpoints™ Platinum Visa and Air New Zealand Airpoints™ Low Fee Visa. On 24 November 2021 we stopped offering our Air New Zealand Airpoints™ Standard Visa and Low Rate Visa.
If you have one of these cards you can find information about their rates and fees on our products no longer offered page.
Standard terms and conditions
Lending criteria, terms and conditions, and fees apply. Interest rates, fees and limits subject to change. Download the Credit cards terms and conditions.
Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.
A day is from 12:00 midnight to 12:00 midnight, New Zealand time.
Travel Insurance for Insured Cards is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.
Important terms, conditions, activation and eligibility criteria, limits, sub-limits, and exclusions apply. These are set out in the relevant policy wording:
Travel Insurance for Kiwibank Credit Cards policy – for cover activated before 1 July 2025
Travel Insurance for Kiwibank Credit Cards policy – for cover activated from 1 July 2025
Retail products aren't available to financial institutions or wholesale customers.