The Warehouse Money Visa Card

The Warehouse Visa is no longer accepting new applications.

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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 Payment3% 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 for your spending. If you regularly shop at The Warehouse, you can enjoy 5% off with the Warehouse Money Visa Card, plus it also qualifies you for a range of discounts, offered by other New Zealand retailers, for example Noel Leeming and The Warehouse Money Visa Card‘s benefits include:

  • No annual credit card fees. There is no annual fee for keeping your account open and no annual fee for additional cardholders. With a Warehouse Money Visa 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 goods when you shop. However, you don’t receive a discount when you buy certain products, for example, gift cards or pre-paid phone cards. You can also check out other store cards to see what benefits they offer.
  • Interest-free period of 55 days. Your Warehouse Money Visa credit card gives you up to 55 days of interest-free credit, provided you pay your full credit card bill on time. As the card has no annual fee, you have the potential not to pay anything except your initial purchase price.
  • 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 worldwide, plus 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, just touch your card to the reader to authorise a transaction.

How can I apply for a Warehouse Money Visa Card?

If you like the fact that the Warehouse Money Visa Card carries no annual fee; you can apply for a card using the online application form on the Warehouse Money site or phone 0800 801 808. Bear in mind that there are other credit cards on the market with no annual fee, so take a look at those too before deciding to apply.

Eligibility requirements

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

Necessary documents and information

  • Identification. A driver’s licence or your passport is suitable proof of ID.
  • Income details. You need to supply income details you receive from a regular source, including your main employment.
  • Expenditure details. Warehouse Money requires full details of your regular expenses.
  • Email address. You need a valid email address to receive 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 further information.

Warehouse Money’s other products

Car insurance and home and contents insurance. The Warehouse no longer offers car insurance or home and contents insurance. However, it still honours existing policies, and you can access your information.

The bottom line

Applying for a Warehouse Money Visa Card could be a good idea if you frequently shop at The Warehouse, as it offers the best way to maximise the discount benefits of the card. The zero annual fee is also attractive, but you should always compare the Warehouse Money Visa card against other credit cards.

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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    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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