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No account fee for you and any joint or additional cardholders.
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Interest rate on purchases and cash advances Zero Visa - interest rate on purchases (active)
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Up to 55 interest free days on purchases.
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Add to your phone and pay on the go with Apple Pay or Google Pay™.
Interest rates & fees
Interest rates are subject to change.
Account fee (every six months) |
No fee |
Joint/additional cardholder account fee (every six months) |
No fee |
Interest rate on purchases and cash advances |
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Interest free days |
Up to 55 |
Balance transferred from a non-Kiwibank credit card |
Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) After six months our standard purchase interest rates will apply to any remaining balance transferred. Excludes business credit cards. Interest rates are subject to change. Kiwibank's lending criteria, terms and fees apply. |
Minimum credit limit |
$500 |
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. |
How it works
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Interest free days
To qualify for 55 days interest free, you’ll need to pay off your entire balance by the due date each month. The interest free period doesn’t apply to cash advances.
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Add to your mobile wallet
It's easy to add this card to your mobile wallet, so you can pay with your device using Apple Pay or Google Pay.
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Minimum monthly payments
You’ll need to make minimum monthly payments of 5% of your monthly statement balance, or $10, whichever is greater, to make sure you don’t get charged a late payment fee.
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Contactless payments
You can make contactless payments on your mobile device or card.
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Balance transfer
Pay Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) on balances you transfer from a non-Kiwibank credit card. Interest rates are subject to change. Find out more about balance transfers.
Apply for a Zero Visa
You can apply online whether you’re a new or an existing Kiwibank customer.
Before you apply for a credit card, you’ll need to meet our lending criteria and have some information handy.
New to Kiwibank?
Complete our online application form to apply for a credit card. We'll also need to verify your identity.
Apply onlineAlready with us?
If you're an existing Kiwibank customer, you can log in to Internet Banking or our mobile app to apply.
Log in to Internet BankingChanges to your existing card?
See how to increase your credit limit or change card types.
Find out moreOther credit cards you may be interested in
Standard terms and conditions
Lending criteria, credit limits and terms and conditions apply. See all credit cards terms and conditions.
Download the Kiwibank Apple Pay Terms & Conditions.
Download the Kiwibank Google Pay Terms & Conditions.
Retail products aren't available to financial institutions or wholesale customers.