Features & benefits
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Built-in overseas travel insurance. From 1 July 2025, domestic travel insurance benefits will be available. Eligibility criteria apply.
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$25 six monthly account fee and $5 for any joint or additional cardholders.
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Up to 55 days interest free on purchases.
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Add to your phone and pay on the go with Apple Pay or Google Pay™.
Interest rates & fees
Interest rates are subject to change.
Account fee (every six months) |
$25 |
Joint/additional cardholder account fee (every six months) |
$5 per card |
Interest rate on purchases and cash advances |
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Interest free days |
Up to 55 Interest free period applies provided you pay off your entire balance each month by the due date. Interest free period doesn't apply to cash advances or balance transfers. |
Balance transferred from a non-Kiwibank credit card |
Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) |
Minimum credit limit |
$5,000 |
Late payment fee |
When your minimum payment isn’t received by us on or before the payment date shown in your monthly statement $5 per late payment Please note when your monthly statement shows an amount due immediately, any payment you make will be applied to this amount before being applied to your minimum payment. This means that you must pay both amounts to avoid being charged this fee. |
How it works
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Minimum monthly payments
Minimum monthly payments of 5% of your monthly statement balance, or $10, whichever is greater, to make sure you don’t get charged a late payment fee.
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Travel insurance
Overseas travel insurance if you pay for your travel and/or accommodation before you leave New Zealand. From 1 July 2025 domestic travel insurance benefits will also be available on your card. Eligibility criteria apply.
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Interest free days
To qualify for 55 days interest free, you’ll need to pay off your entire balance by the due date each month. The interest free period doesn’t apply to cash advances.
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Contactless payments
You can make contactless payments on your mobile device or card.
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Balance transfer
Pay Credit Card balance transfer rate (active) for Credit Card balance transfer rate (active) on balances you transfer from a non-Kiwibank credit card. Interest rates are subject to change. Find out more about balance transfers.
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Add to your mobile wallet
It's easy to add this card to your mobile wallet, so you can pay with your device using Apple Pay or Google Pay.
Apply for a Platinum Visa
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?
Complete our online application form to apply for a credit card. We'll also need to verify your identity.
Apply onlineAlready with us?
If you're an existing Kiwibank customer, you can log in to Internet Banking or our mobile app to apply.
Log in to Internet BankingChanges to your existing card?
See how to increase your credit limit or change card types.
Find out moreStandard 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.
Download the Kiwibank Apple Pay Terms & Conditions.
Download the Kiwibank Google Pay Terms & Conditions.
Travel Insurance for Insured Cards is underwritten by Tower Limited and managed by AWP Services New Zealand Limited trading as Allianz Partners. If you arrange your insurance through Kiwibank, you need to know that Kiwibank Limited doesn’t guarantee the obligations of, or any products provided by Tower Limited or AWP Services New Zealand Limited.
Important terms, conditions, limits, sub-limits, and exclusions apply, and these are set out in the Travel Insurance for Kiwibank Credit Cards Policy Wording.
Retail products aren't available to financial institutions or wholesale customers.