Compare interest rates, fees and limits on Kiwibank Credit Cards, including Air New Zealand Airpoints™ Credit Cards.
Interest rates are subject to change.
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Low Rate Visa / Mastercard® |
Zero Visa / Mastercard® Zero |
Platinum Visa / Mastercard® Gold |
Airpoints Low Fee Visa / Mastercard® |
Airpoints Standard Visa / Mastercard® |
Airpoints Platinum Visa / Mastercard® |
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Account fee (every six months) |
$151 |
$0 |
$402 |
$12.50 |
$32.50 |
$75 |
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Joint/additional cardholder account fee (every six months) |
$5 per card |
$0 |
$10 per card2 |
$5 per card |
$10 per card |
$15 per card |
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Interest rate on purchases |
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Interest rate on cash advances |
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Interest-free days3 |
Up to 55 |
Up to 55 |
Up to 55 |
Up to 44 |
Up to 44 |
Up to 44 |
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Balance transferred from a non-Kiwibank credit card |
for |
for |
for |
for |
for |
for |
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Minimum credit limit |
$500 |
$500 |
$8,000 (Visa) $5,000 (Mastercard®) |
$1,000 |
$1,000 |
$8,000 (Visa) $10,000 (Mastercard®) |
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Rewards and benefits |
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Airpoints Dollar™ earn rate on eligible purchases |
— | — | — |
$160 spend = 1 Airpoints Dollar |
$120 spend = 1 Airpoints Dollar |
$75 spend = 1 Airpoints Dollar |
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Earn Air New Zealand Status Points |
— | — | — | — | — |
1 Status Point per $200 of eligible spend |
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Access to Air New Zealand monthly prize draws |
— | — | — |
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Complimentary Air New Zealand Lounge eVouchers4 |
— | — | — | — |
Two complimentary single entry Lounge eVouchers each year when you spend $30,000 |
Two complimentary single entry Lounge eVouchers for every $30,000 spent on your card in each year. The maximum number of Lounge eVouchers that can be earned in each 12-month period will be four ie two pairs |
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Built-in travel insurance5 |
— | — |
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— | — |
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Interest rates are subject to change.
1Waived for the first year for Tertiary or Graduate Pack customers taking up a Kiwibank Credit Card for the first time. As of 1 February 2021, we no longer offer our Tertiary and Graduate Packs to customers.
2We’ll waive this fee if you’ve an outstanding home loan balance or deposits of $150,000 or more with Kiwibank on the fee assessment date.
3Interest 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.
4In light of COVID-19, single use Air New Zealand Lounge eVouchers will be extended by six months. eVouchers with an original expiry date between 1 March 2020 and 28 February 2021 will be extended by six months from the original expiry date. You'll be able to see this in your Air New Zealand mobile app or myairnz on airnewzealand.co.nz.
5Built-in overseas travel insurance is arranged by Kiwibank and issued by Tower Insurance Limited and Tower Insurance Limited is solely responsible for any claim under the policy.
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.
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Investigation fee |
When you ask us to investigate something about your credit card account.
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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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Maximum amount for cash advance |
The maximum amount that you can withdraw or transfer from your credit card account. Kiwibank Low Rate Visa / Mastercard®, Kiwibank Zero Visa / Mastercard® Zero, Air New Zealand Airpoints Low Fee Visa / Mastercard® and Air New Zealand Airpoints Standard Visa / Mastercard® $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 / Mastercard® Gold $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 / Mastercard® $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. |
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:
We may at any time require you to immediately pay us all or part of the outstanding debit balance on your credit card account.
When a transaction is made on a Visa or Mastercard® 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 or Mastercard credit cards.
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. If you aren’t already an Airpoints member, we’ll sign you up for free when your Airpoints credit card is approved.
Standard terms and conditions
Lending criteria, terms and conditions, and fees apply. Interest rates, fees and limits subject to change. See all 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.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
A day is from 12:00 midnight to 12:00 midnight, New Zealand time.
Travel Insurance for eligible Kiwibank Credit Cards is provided by Tower Insurance Limited. Tower Insurance Limited is the only organisation responsible for claims under the policy. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products issued by, Tower Insurance Limited. Important terms, conditions and exclusions are set out in the Travel Insurance for Kiwibank Credit Cards Policy wording (PDF 204.2 KB).