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Kiwibank Credit Cards

Your Kiwibank credit card can be a low-cost way to make credit card transactions or it could open the doors to earning rewards every time you spend – the choice is yours.


Fact checked

There is a complete range of credit card options at Kiwibank, including cards that offer low interest rates, cards with no annual fee plus a range of cards that offer rewards and special privileges and benefits.

Kiwibank is part of New Zealand Post and offers comprehensive banking services through post offices and online, including a selection of personal credit card products that suit a range of different needs and requirements.

Finder NZ does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Compare credit cards from Kiwibank

Name Product Purchase Rate Interest Free Period Annual Fee
Kiwibank Zero Visa
13.95% APR
Up to 55 days on purchases
$0 p.a.
Kiwibank Low Rate Visa
9.95% APR
Up to 55 days on purchases
$30 p.a.
Kiwibank Air New Zealand Airpoints Low Fee Visa
16.9% APR
Up to 44 days on purchases
$25 p.a.
Kiwibank Platinum Visa
13.95% APR
Up to 55 days on purchases
$80 p.a.
Kiwibank Air New Zealand Airpoints Standard Visa
20.95% APR
Up to 44 days on purchases
$65 p.a.
Kiwibank Air New Zealand Airpoints Platinum Visa
20.95% APR
Up to 44 days on purchases
$150 p.a.

Compare up to 4 providers

Name Product Purchase Rate Interest Free Period Annual Fee
Q Mastercard
25.99% APR
Up to 90 days on purchases
$50 p.a.
Apply now through Finder, get approved and pay no annual fee for the first year. Ts&Cs apply. 0% interest and no repayments for 3 months on all purchases, plus get long-term finance deals from retailers including JB Hi-FI, Farmers and Mitre 10.
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$0 p.a.
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
Up to 55 days on purchases
$195 p.a.
Be rewarded with 400 bonus Airpoints Dollars when you apply online by 2 November 2020, are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$149 p.a.
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.

Compare up to 4 providers

Credit cards on offer from Kiwibank

Kiwibank offers two types of credit cards: cards that reduce the cost of paying on credit, and cards which reward you as you use your Kiwibank credit card. Here is a summary of the main types of credit cards on offer from Kiwibank.

  • Airpoints rewards credit cards. If you spend a lot on your credit card you should consider one of the Kiwibank Airpoints Credit cards. These rewards cards from Kiwibank offer a varying range of Airpoints as a reward for your credit card spend, with higher annual fee cards such as the Kiwibank Air New Zealand Airpoints Platinum Visa offering the biggest return. Airpoints Dollars can be exchanged for flights, car rental or hotel bookings.
  • No annual fee credit cards. Paying an account fee on a credit card is not suitable for everyone, and the Kiwibank Zero Visa is a good choice if you want to keep your credit card expenses to the minimum. With no account fee as well as a lower interest rate the Kiwibank Zero Visa card is a good way to save on your credit card costs. Alternatively, the Kiwibank Air New Zealand Airpoints Low Fee Visa offers the opportunity to earn rewards while charging a relatively low annual fee.
  • Low purchase rate credit cards. Look into the Kiwibank Low Rate Visa if you regularly carry a purchases balance on your credit card account. With the lowest purchases interest rate of all the Kiwibank credit cards, this card can save you money on interest charges in the long run. You could also benefit from interest-free days as well as a low rate on balance transfers for 6-12 months on selected credit cards.
  • Business credit cards. Consider a Kiwibank Business Mastercard if you want to manage your business expenses. You can issue cards to each employee who requires a card and make use of the statement breakdown to analyse the spending on your business credit card account.

Benefits of banking with Kiwibank

  • Earn Airpoints Dollars as you spend. Apply for one of the Air New Zealand Airpoints credit cards issued by Kiwibank and you can earn rewards on your credit card spend. Earnings range from one Airpoints Dollar for every $160 in spending to one Airpoints Dollar for every $75 in spending, depending on the card you apply for. Exchange your Airpoints for flights, hotel bookings or car rental.
  • Complimentary travel insurance. The Kiwibank Platinum Visa and Kiwibank Air New Zealand Airpoints Platinum Visa could cover you with travel insurance for up to 40 days. You need to activate your cover by paying for an element of your trip with your Kiwibank credit card, as specified on the Kiwibank website. The complimentary insurance could compensate you for medical expenses, loss or damage of personal belongings and unforeseeable cancellations and delays.
  • Reduce your credit card expenses. Select Kiwibank credit cards offer low interest rates on purchases, while the Kiwibank Zero Visa is a card with no annual fee. If you prefer to minimise credit card costs and forego earning rewards, one of these Kiwibank credit cards could be a good option.
  • Balance transfers offer. Kiwibank allows you to transfer a balance from a different credit card provider to your Kiwibank credit card at a lower interest rate. You can transfer a balance up to your remaining credit limit and pay from 0% to 1.99% in interest for 6-12 months, after which you’ll pay your standard purchases interest rate.
  • The convenience of contactless payments. Every Kiwibank credit card features Visa contactless technology, so you can pay for transactions of up to $80 in value simply by tapping your card on the credit card reader. You can continue to authenticate larger value transactions using chip and PIN as you usually would.

How can I apply for a Kiwibank credit card?

Compare Kiwibank cards to credit cards from other providers and if you think a Kiwibank credit card offers the best fit for your requirements, start the simple online application . You’ll need to meet the following requirements to successfully apply.

Eligibility requirements

  • Minimum age. You must over 18 years of age to apply.
  • Country of residence. You have to be resident in New Zealand.
  • Credit history. You’ll need a credit history absent of any default.

Necessary documents and information

  • Income details. You’ll need to supply Kiwibank with complete details of your sources of income, including details of your employer.
  • Debts and outgoings. The application form also requires full disclosure of your current debts as well as your regular outgoings, such as rental payments.
  • Air New Zealand Airpoints number. If you’re applying for one of the credit cards that earn Airpoints Dollars, you should keep your Airpoints account number ready.

Frequently asked questions about Kiwibank credit cards

See below for the questions most commonly asked about Kiwibank credit cards. We can help you with other questions too. Simply complete the box at the bottom of this page and we’ll answer your personal Kiwibank credit card question.

Final note

Kiwibank offers you a range of choices allowing you to decide whether you want to pay no annual fee, pay a small annual fee in exchange for rewards or pay a higher annual fee to maximise your rewards earnings.

Read more on this topic

  • Flight Centre Mastercard Earn Flight Centre Rewards and take advantage of long term finance deals for big-ticket purchases at participating retailers.
  • ANZ Cashback Visa Platinum The ANZ CashBack Visa Platinum allows you to earn cash back for everyday purchases, plus the first annual fee is waived when you sign up.
  • ANZ CashBack Visa Find out how you can get cash back just for using your card for everyday purchases with the ANZ CashBack Visa.
  • ANZ Low Rate Visa With no annual card fee and a low-interest rate, an ANZ Low Rate Visa is worth considering if you want to save money.
  • Visa Vs Mastercard - Which is best? Does it matter whether you have a Visa or a Mastercard? We find out what the difference is.
  • Q Mastercard Find out how you can get zero interest and no repayments for 3 months on all purchases when you use your Q Mastercard.
  • Farmers Mastercard Collect Farmers Club Points anywhere you use your card and enjoy long term finance deals for those big-ticket purchases.
  • Westpac Airpoints Platinum Mastercard Review The Westpac Airpoints Platinum Mastercard has a range of benefits for Kiwis who like to travel.
  • Westpac Airpoints Mastercard Review Pay a low annual fee and still earn Airpoints Dollars on all eligible spend with the Westpac Airpoints Mastercard.
  • How to reduce your credit card debt Learn how to reduce your credit card debt. Read our guide to how to approach debt consolidation and help free yourself from financial pressure.

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4 Responses

  1. Default Gravatar
    RinaMay 10, 2018

    How can I cancel my kiwibank account??

    • Avatarfinder Customer Care
      JoshuaMay 10, 2018Staff

      Hi Rina,

      Thanks for getting in touch with finder. I hope all is well for you. :)

      If you wish to cancel your Kiwi Bank account, you can do it by calling Kiwi Bank or visiting their nearest local branch.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    LeeJanuary 15, 2018

    Is it possible to get a credit card if you are here on a working holiday visa?

    • Avatarfinder Customer Care
      RenchJanuary 17, 2018Staff

      Hi Lee,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      Here are the standard eligibility requirements to apply for a credit card in New Zealand:

      – You must be older than 18 years of age when your application is submitted.
      – You must be a permanent New Zealand resident.
      – You must also have a good credit record, including no bad debts or defaulted payments.

      Please check the eligibility criteria of your preferred card before applying. You may know more about credit cards and compare on this page.

      Best regards,

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