Compare credit cards
Interest rates are subject to change.
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Account fee (every six months) |
$0 |
$12.50 |
$75 |
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Joint/additional cardholder account fee (every six months) |
$0 |
$5 per card |
$15 per card |
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Interest rate on purchases and cash advances |
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Interest-free days1 |
Up to 55 |
Up to 44 |
Up to 44 |
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Balance transferred from a non-Kiwibank credit card |
for |
for |
for |
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Minimum credit limit |
$500 |
$1,000 |
$8,000 |
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Rewards and benefits |
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Airpoints Dollar™ earn rate on eligible purchases |
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$160 spend = 1 Airpoints Dollar |
$85 spend = 1 Airpoints Dollar |
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Earn Air New Zealand Status Points |
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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 eVouchers2 |
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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 insurance3 |
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On 24 November 2021 we stopped offering our Low Rate Visa, Platinum Visa, and Air New Zealand Airpoints™ Standard Visa. If you have one of these cards you can find information about their rates and fees on our products no longer offered page. If you have a Low Rate Visa, the features, rates and fees are the same as our Zero Visa.
Interest rates are subject to change.
1Interest 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.
2In light of COVID-19, single use Air New Zealand Lounge eVouchers will be extended by six months. e-Vouchers that expired 1 August 2021 – 21 October 2021 have been re-activated and can be used for a further six months from the original expiry date. e-Vouchers that are set to expire 22 October 2021 – 22 October 2022 will be automatically extended by six months from the current expiry date. You'll be able to see this in your Air New Zealand mobile app or myairnz on airnewzealand.co.nz.
3Built-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.
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 Low Rate Visa, 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. If you aren’t already an Airpoints member, we’ll sign you up for free when your Airpoints credit card is approved.
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 BankingStandard 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.
*Eligible spend excludes fees or interest, balance transfers, credit card repayment insurance, gambling chips, gambling transactions (including online gambling), money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.
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 297.3 KB).
Retail products aren't available to financial institutions or wholesale customers.