Zero Visa

Our Zero Visa credit card has no annual fee and is our lowest interest rate credit card, making it great for everyday use. This is making zero your hero.
Zero visa

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

Zero Visa - interest rate on purchases (active)

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


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

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 online

Already 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 Banking

Changes to your existing card?

See how to increase your credit limit or change card types.

Find out more

Other credit cards you may be interested in