Purple Visa credit card

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.

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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
Min credit limit$1,500
Max credit limit$15,000
Minimum Monthly Payment3% 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 earn 1 Purple Dollar which is equal to $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 a large purchase. Retailers include Noel Leeming and Torpedo7. For example, at Noel Leeming, you could get 30 or 60 months interest-free depending on current promotions.
  • Monthly specials. Purple Visa cardholders have access to 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 is 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, which takes around 10 minutes, and you 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 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.

The bottom line

With a Purple Visa credit card, you can earn Purple Dollars wherever you shop, but you can only spend them at The Warehouse group of stores, for example, Noel Leeming, Torpedo7, and TheMarket. So, you need to be sure this suits your spending. The long term finance deals are also attractive, but make sure you compare it against other credit cards, to make sure it is the right one for you.

Compare all credit cards

Name Product Purchase Rate Annual fee Balance Transfer Rate
Q Mastercard
0% for 3 months (changes to 25.99% p.a.)
0% p.a. for 36 months
0% p.a. for 36 months on balances transferred from eligible personal credit cards until 30 November 2021 - offer applies to new customers only. Plus get 3 months zero interest and zero payments on every purchase.
American Express Airpoints Platinum Card
19.95% p.a.
Be rewarded with 500 bonus Airpoints Dollars when you apply by 29 November 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. Ts&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
Farmers Mastercard
25.95% p.a.
Get $100 worth of Farmers Club Vouchers when you spend and link your card to a Farmers Club Card - offer is for new applications only and ends on 31 October 2021.
Flight Centre Mastercard
22.95% p.a.
Use your Flight Centre Mastercard for everyday shopping and earn rewards as you spend. Earn 2 Flight Centre rewards for every $100 spent at a Flight Centre Store and 1 reward point for standard purchases. Subject to lending criteria. Ts&Cs apply.
American Express Airpoints Card
0% for 6 months (changes to 19.95% p.a.)
Be rewarded with 100 bonus Airpoints Dollars when you apply by 28 February 2022, are approved and sped $750 on your new card within the first 3 months of membership. This offer is available to new Card Members only.
American Express Platinum Edge Credit Card
2.99% for 6 months (changes to 19.95% 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.
American Express Platinum Card
Get the new metal Platinum Card, 80,000 Membership Rewards bonus points, up to $300 dining credit and $200 to spend on travel each year. Offer available to new customers who apply online, are approved and spend at least $1,500 in the first 3 months. Exclusions, Ts&Cs apply.
The Co-operative Bank Fair Rate Credit Card
12.95% p.a.
0% p.a. for 6 months
0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% on both purchases and cash advances.

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