Low Rate Mastercard

Mastercard Zero

Mastercard Gold

Airpoints Low Fee

Airpoints Standard

Airpoints Platinum

Account fee (every 6 months)







Interest rate on purchases

Interest rate on cash advances

Interest free days

Up to 55

Up to 55

Up to 55

Up to 44

Up to 44

Up to 44

Minimum credit limit







Earn Air New Zealand Airpoints DollarsTM

yes yes yes

Exclusive access to Air New Zealand monthly prize draws

yes yes yes

Complimentary Koru Lounge passes

Two complimentary single entry passes each year when you spend $20,000

Two complimentary single entry passes for every $20,000 spent in each year

Complimentary overseas travel insurance

yes yes

Earn Air New Zealand Status Points


Balance transfer offers

yes yes yes yes yes yes


Interest free days

Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period does not apply to cash advances or balance transfers.

All credit cards

Kiwibank is the issuer of all credit cards. Lending criteria, terms and conditions and fees apply. Interest rates are subject to change.

Air New Zealand Airpoints Credit Cards

As well as Kiwibank’s terms and conditions, Airpoints Terms and Conditions apply. See airpoints.co.nz for details.

Eligible purchases exclude fees or interest, balance transfers, credit card replacement insurance, gambling chips, 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

Complimentary overseas travel insurance

Complimentary 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.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.