Credit Card Repayment Insurance

Make a claim

If life throws you a curve ball, Credit Card Repayment Insurance means less worries about the insured outstanding balance on your credit card account.

Benefits at a glance

  • Covers part or all of your outstanding balance if you’re unable to work due to an accidental injury or illness, made redundant, declared bankrupt (if you’re self-employed), critically or terminally ill, or pass away.

  • You’ll be covered as the primary cardholder. If you have a joint credit card account, the joint cardholder will also be covered.

  • Your premiums are based on the closing monthly balance of your credit card – so you only pay for the protection you need.

  • Under some circumstances, pre-existing conditions can be covered.

How it works

Eligibility & how to apply

To apply you'll need to be:

  • applying for a Kiwibank Credit Card as a primary cardholder. A joint cardholder can be covered as an insured under a joint credit card application.
  • aged between 18 and 64 (inclusive).
  • a permanent resident living in New Zealand.

To be eligible for temporary or permanent inability to work cover you must be in paid employment or be a fixed term contractor, or self-employed, studying in an approved course, or be the primary caregiver for dependants - minimum hours apply.

Apply for Credit Card Repayment Insurance

When you apply for a Kiwibank Credit Card, you'll need to complete the insurance section of the application form.

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 now

Already a Kiwibank customer?

Log in to Internet Banking and go to Apply & Open to make it happen.

Log in to Internet Banking

By phone

If you’re already a Kiwibank customer or you don’t have Internet Banking, you can apply over the phone.

Phone 0800 521 521

You may also be interested in

Protect your lifestyle if you can't work anymore, and look after your loved ones if you pass away.

Take the sting out of replacing your things if they get stolen or accidentally damaged.

You’ve worked hard to get your house, so get insurance to make sure you’re covered if something goes wrong.