Visa Debit Card

Use it like an ATM/EFTPOS card to make purchases and get cash in New Zealand, and use your own money to pay for things overseas, online, over the phone and by mail order – anywhere you can pay by credit card. You can link up to two accounts, including joint accounts.

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Buy stuff overseas

Loaded for Travel is a reloadable, prepaid travel card. It’s accepted at over 29 million Visa retailers worldwide, and the exchange rate is locked in when you load money on the card – there’s no extra conversion fees when you spend in local money.

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Foreign exchange calculator

Air New Zealand Airpoints credit cards

You can use your card anywhere in the world Mastercard® is accepted. You’ll earn Airpoints Dollars on eligible purchases*, so you can earn that next holiday sooner. And if you spend with Air New Zealand, you’ll earn Airpoints Dollars at an even better rate. Each card gives you access to exclusive Air New Zealand benefits such as non-expiry of Airpoints Dollars and monthly prize draws.

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Cheap as chips low interest cards

If rewards aren’t your thing, check out our low interest Mastercards. They’re cheap as chips – our Mastercard Zero has no account fee.

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Which card for me?

Smarter cards

All our credit cards come with Contactless. For purchases under $80, you don’t need to swipe, sign, or enter a PIN – just tap your card against the reader. It works overseas, too – but the purchase limit may vary.

All our credit cards have microchip technology – microchips are harder to copy than magnetic strips, so your card is more secure.


Chip security

All credit cards

Kiwibank is the issuer of the 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 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

Loaded™ for Travel Cards

Loaded for Travel cards are issued by Kiwibank Limited. Loaded for Travel cards are only available for purchase by persons in New Zealand and are not offered to any person outside New Zealand (and by purchasing a Loaded for Travel card you represent to us that you are in New Zealand and not in any other jurisdiction). The Kiwibank “Loaded” names, logos and related trade marks and service marks are owned by Kiwibank Limited. Terms and conditions apply to the use of your Loaded for Travel card, and are available at

Mastercard and the Mastercard brand mark are the registered trademarks and Contactless is the trademark of Mastercard International Incorporated.

Download Kiwibank’s Disclosure Statement (PDF 913.8 KB) or pick up a copy at your local Kiwibank.