Warehouse Money Visa Card Review 2021 | finder NZ
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The Warehouse Money Visa Card

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Consider a Warehouse Money Visa Card and get 5% off your shopping at The Warehouse.

Do you regularly shop at The Warehouse? Warehouse Money offers customers a Warehouse Money Visa Card which gives you 5% off any purchases made at The Warehouse.

Started as a joint venture with Westpac, but now wholly owned by The Warehouse Group, the Warehouse Money Visa Card not only gives you a discount for spending, there’s no annual fee.

19.95% p.a.

Purchase Rate

$0 p.a.

Annual Fee


Product NameWarehouse Money Visa Card
Purchase rate (p.a.)19.95% p.a.
Annual Fee$0 p.a.
Interest Free PeriodUp to 55 days on purchases
Minimum Monthly Repayment3% of transaction value or $20, whichever is greater
Card TypeVisa
Late Payment Fee$15
Complimentary Travel InsuranceNo
Joint ApplicationNo

Benefits of using the Warehouse Money Visa Card

Every little bit helps when managing your finances and Warehouse Money offers a credit card that can help you get a bit more out of your spending. If you regularly shop at The Warehouse you can enjoy a generous 5% off with the Warehouse Money Visa Card.

You won’t get the discount when you buy gift cards or pre-paid phone cards for example. A Warehouse Money Visa Card also qualifies you for a range of discounts, offered from time to time by other New Zealand retailers.

  • No annual credit card fees. The Warehouse Money Visa Card doesn’t charge an annual fee just for keeping an account open. You also save on annual fees when it comes to additional cardholders as these cards are free of annual charges too. With a Warehouse Money credit card you only pay for what you spend, plus any interest and charges that your balance accumulates.
  • Earn discounts at The Warehouse. Regular shoppers at The Warehouse will appreciate a card that offers a permanent 5% off. A Warehouse Money card is a good way to reduce the amount you pay when you shop at The Warehouse.
  • Interest-free period of 55 days. Your Warehouse Money credit card can give you up to 55 days of interest-free credit, as long as you always clear your full credit card bill on time. As there is no annual fee this means that you have the potential to use your Warehouse Money Visa Card for payments, and never pay back anything over and above the actual purchases you made.
  • Widely accepted, including overseas. Issued on the Visa payment network, your Warehouse Money Visa Card is accepted wherever you see the Visa logo. This includes millions of points of sale terminals around the world as well as both local and overseas online stores.
  • Contactless payments. It’s easy to tap and pay with your Warehouse Money Visa Card. You don’t need to use your PIN for smaller transactions, you can make a payment using contactless technology. Just touch your card on the card reader to authorise a transaction.

How can I apply for a Warehouse Money Visa Card?

If you’re attracted to the fact that the Warehouse Money Visa Card carries no annual fee, you can apply for a card using the easy online application form on the Warehouse Money site. Keep in mind that there are other credit cards on the market with no annual fees, so look at those too before you decide to apply.

Eligibility requirements

  • Age. Minimum age for applicants is 18.
  • Residential status. Only citizens of New Zealand or permanent residents can apply.
  • Minimum income. Warehouse Money states doesn’t set a minimum income requirement, but you are required to have a steady income to be eligible to apply.
  • Credit history. You will only be approved for a credit card if you have a good credit history.

Necessary documents and information

  • Identification. Either a driver’s license or your passport will be sufficient as proof of ID.
  • Income details. Keep ready all details on any income you receive from a regular source, including your main employment.
  • Expenditure details. You’ll need to supply full details of regular expenses.
  • Email address. Since Warehouse Money will communicate with you electronically, you need a valid email address so you can get information about your card.

Frequently asked questions about Warehouse Money credit cards

The Warehouse Money Visa Card charges no annual fees and offers you something extra if you regularly shop at The Warehouse. See the FAQ below if you have any questions, or complete the form at the end of the page if you need to know anything else.

What other products does Warehouse Money have?

Aside from credit cards, Warehouse Money has the following products:

  • Car insurance. The Warehouse car insurance has comprehensive, third party and third party, fire and theft cover options to consider. Policies are underwritten by Vero Insurance.
  • Home and contents insurance. The Warehouse house and contents insurance offers different levels of cover as well as insurance for landlords. Policies have flexible payment options and are underwritten by Vero Insurance.

See other store credit cards here.

Final comments on the Warehouse Money Visa Card

Applying for a Warehouse Money Visa Card is a good idea if you already do a lot of shopping at The Warehouse, as this offers you the best way to maximise the discount benefits of the card. The zero annual fee on Warehouse Money credit cards is also attractive, but you should always compare the Warehouse Money card against other zero annual fee cards.

Compare all credit cards

Name Product Purchase Rate Interest Free Period Annual fee
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.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% p.a.)
Up to 55 days on purchases
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.

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    Default Gravatar
    September 3, 2018

    How do I increase my limit

      Avatarfinder Customer Care
      September 4, 2018

      Hi Linda,

      Thanks for leaving a question on finder.

      Once you are eligible, you can apply if you have been a cardholder with The Warehouse for at least 6 months or if your last credit limit increase was within the last 6 months. Alternatively, The Warehouse notifies you of the pre-assessed increase when you’re eligible.

      Although your credit limit generally sets the ceiling for your credit card spending, some card companies may let you exceed that limit, while others may charge you a penalty for going over your limit. Make sure you check these details with your credit card company so you can avoid additional fees if you max out your card.


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