Compare credit card rates and fees

Compare interest rates, fees and limits on Kiwibank Credit Cards, including Air New Zealand Airpoints™ Credit Cards.

Compare credit cards

Interest rates are subject to change.

 

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®

Account fee (every six months)

$151

$0

$402

$12.50

$32.50

$75

Joint/additional cardholder account fee (every six months)

$5 per card

$0

$10 per card2

$5 per card

$10 per card

$15 per card

Interest rate on purchases

Interest rate on cash advances

Interest-free days3

Up to 55

Up to 55

Up to 55

Up to 44

Up to 44

Up to 44

Balance transferred from a non-Kiwibank credit card

for

for

for

for

for

for

Minimum credit limit

$500

$500

$8,000 (Visa)

$5,000 (Mastercard®)

$1,000

$1,000

$8,000 (Visa)

$10,000 (Mastercard®)

Rewards and benefits

Airpoints Dollar™ earn rate on eligible purchases

$160 spend = 1 Airpoints Dollar

$120 spend = 1 Airpoints Dollar

$75 spend = 1 Airpoints Dollar

Earn Air New Zealand Status Points

1 Status Point per $200 of eligible spend

Access to Air New Zealand monthly prize draws

 
 
 

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

Built-in travel insurance5

 
 

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.

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.

Service fees

Cash advance fee

When you withdraw cash or transfer money from your credit card account.

Internet banking or mobile app

  • Free.

Cash advance in New Zealand - ATM or staff assisted

  • $0.90 per transaction.

Cash advance overseas - ATM or staff assisted

  • $6 per transaction.

International transaction fee

When you use your credit card for a foreign currency transaction.

  • 1.85% of the New Zealand dollar amount once converted.

Investigation fee

When you ask us to investigate something about your credit card account.

  • $60 per hour. Minimum fee $15.

Late payment fee

When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement.

  • $5 per late payment.

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.

  • $9.50 per request.

Urgent card delivery fee – in New Zealand

Courier charge for urgent delivery of a credit card in New Zealand

  • $2.60 per delivery.

Urgent card delivery fee – International

Courier charge for urgent delivery of a credit card worldwide

  • Price on application.

Limits

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.

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:

We may at any time require you to immediately pay us all or part of the outstanding debit balance on your credit card account.