Find the right credit card for you
Zero account fee and a great rate.
- No account fee
- $500 minimum credit limit
- Up to 55 days interest free.
Other fees and interest apply. Interest rates are subject to change.
With built-in travel insurance.
- Built-in travel insurance benefits
- $25 six monthly account fee
- Up to 55 days interest free.
Other fees, interest apply and eligibility criteria apply. Interest rates are subject to change.
Changes to our Air New Zealand Airpoints™ cards
After more than a decade of helping Kiwi take off to destinations around the world, we've made the decision to end our Airpoints credit card partnership.
You can no longer apply for any of our Air New Zealand Airpoints™ credit cards:
- Air New Zealand Airpoints™ Platinum Visa
- Air New Zealand Airpoints™ Low Fee Visa
- Air New Zealand Airpoints™ Standard Visa
If you're an existing Airpoints credit card holder you can continue to use your card and earn Airpoints on eligible purchases until 31 October 2025.* We'll be in touch about moving you over to our new Platinum Visa credit card with benefits such as overseas travel insurance. From 1 July 2025, domestic travel insurance benefits will also be available on this card.
Find out more about this change.
Help with cards
Explore our Help hub for how-to guides and step-by-step instructions on cards. Find out how to block and unblock a card, set or change a card PIN and more.
Pay on the go with mobile wallets
Apple Pay
Apple Pay is an easy and secure way to pay using your Kiwibank card — in-store, online and even in your favourite apps with your iPhone, Apple Watch, iPad and MacBook.
Google Pay™
Google Pay is a simple, quick and contactless way to pay with your Kiwibank card using your Android device. Use it anywhere contactless payments are accepted, including in apps and online checkouts.
Getting the most out of your Kiwibank Credit Card
Apply for a credit card
You can apply online whether you’re a new or an existing Kiwibank customer.
Before you apply for a credit card, you’ll need to meet our lending criteria and have some information handy.
New to Kiwibank?
Apply right here, right now. We'll let you know exactly what you need and you may be approved on the spot.
Apply nowAlready a Kiwibank customer?
Log in to Internet Banking and go to Apply & Open to make it happen.
Log in to Internet BankingChanges to your existing card?
See how to increase your credit limit or change card types.
Find out moreOn 27 May 2025 we stopped offering our Air New Zealand Airpoints™ Platinum Visa and Air New Zealand Airpoints™ Low Fee Visa. On 24 November 2021 we stopped offering our Air New Zealand Airpoints™ Standard Visa and Low Rate Visa.
If you have one of these cards you can find information about their rates and fees on our products no longer offered page.
Standard terms and conditions
Lending criteria, terms and conditions, and fees apply. Interest rates, fees and limits subject to change. Download the Credit cards terms and conditions.
Kiwibank is the issuer of the Air New Zealand Airpoints credit cards. Airpoints terms and conditions apply. See airpoints.co.nz for details.
*Eligible purchases exclude fees or interest, balance transfers, credit card repayment insurance, gambling chips, gambling transactions (including online gambling), money orders, travellers cheques or foreign currencies in cash, cash advances or cash withdrawals made from an ATM, or any transaction that is reversed, refunded or charged back.
Download the Kiwibank Apple Pay Terms & Conditions.
Download the Kiwibank Google Pay Terms & Conditions.
Retail products aren't available to financial institutions or wholesale customers.