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Purple Visa credit card

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Get rewarded on all of your eligible purchases and enjoy interest-free loan options with the Purple Visa credit card.

The Purple Visa is a no-frills card that comes with a few useful benefits for Kiwis that like to shop at Warehouse Group stores.

You can earn Purple Dollars as you shop to spend at participating retailers and use your card to get long-term finance deals at Noel Leeming and Torpedo7.

The Purple Visa is accepted globally and you can get up to 55 days interest-free purchases, with monthly specials exclusive to cardholders.

22.9% p.a.

Purchase Rate

$55 p.a.

Annual Fee


Product NamePurple Visa Card
Purchase rate (p.a.)22.9% p.a.
Annual Fee$55 p.a.
Interest Free PeriodUp to 55 days on purchases
Cash advance rate (p.a.)25.9% APR
Min credit limit$1,500
Max credit limit$15,000
Minimum Monthly Repayment3% of transaction value or $20, whichever is greater
Card TypeVisa
Late Payment Fee$15
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationNo

Benefits of the Purple Visa

  • Earn Purple Dollars. For every $150 you spend on eligible purchases you’ll earn 1 Purple Dollar which is equal to NZD $1. Once you have accumulated Purple Dollars, you can redeem them at participating retailers such as The Warehouse, Noel Leeming and Torpedo7.
  • Long term finance. You can take advantage of long term finance deals at participating retailers just by using your Purple Visa to make large purchases. Retailers include Noel Leeming and Torpedo7 with more being added soon. At Noel Leeming, you could get 30 or 60 months interest-free depending on current promotions.
  • Monthly specials. Purple Visa cardholders have access to awesome monthly specials, such as special discounts at certain retailers.
  • Currency conversion fee. The Purple Visa has a 2% overseas currency conversion fee, which is lower than many banks.

Features of the Purple Visa

  • Visa PayWave. Wave and go at participating outlets for contactless payments.
  • Accepted globally. You can use your Purple Visa anywhere around the world where Visa is accepted.
  • Interest-free days. Get up to 55 days interest-free on your credit card purchases.
  • Fees and charges

    • Interest rate. Purchases incur an interest rate of 22.9% p.a. Cash advances have an interest rate of 25.9% p.a.
    • Establishment fee. A one-off establishment fee of $55 will be charged.
    • Annual fee. The Purple Visa has an annual fee of $55.

    How to apply

    To apply for the Purple Visa, you can complete an application form on the website. This will take around 10 minutes and you’ll receive an answer within 60 seconds.

    Make sure that you meet the eligibility criteria and have the required documents and information before starting.

    Eligibility criteria

    • Be at least 18 years of age
    • Be a New Zealand citizen or permanent resident
    • Be living in New Zealand
    • Be receiving a regular income
    • Agree to a credit check

    Required documents and information

    During the application, you will need to have the following on hand:

    • A valid passport or driver’s licence
    • Your income details
    • A summary of your regular expenses
    • An email address and phone number.

    Compare all credit cards

    Name Product Purchase Rate Interest Free Period Annual fee
    Kiwibank Low Rate Visa
    9.95% p.a.
    Up to 55 days on purchases
    Balance transfer - Limited time offer
    Pay 1% p.a. for 12 months on balance transfers from any non-Kiwibank credit card. Offer ends 28 Feb 2021. Ts&Cs apply.
    Gem Visa Credit Card
    25.99% p.a.
    Up to 55 days on purchases
    6 months interest free on all Visa purchases $250 and over, plus get long-term interest-free deals at retailers nationwide including Apple, Noel Leeming, Mitre 10 and many more.
    American Express Airpoints Card
    0% for 6 months (reverts to 19.95% p.a.)
    Up to 55 days on purchases
    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% p.a.
    Up to 55 days on purchases
    Be rewarded with 400 bonus Airpoints Dollars when you apply online by 30 March 2021, 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.

    Compare up to 4 providers

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