How to pay your credit card

Paying a Kiwibank Credit Card

Once you’ve logged into internet banking or our mobile app, go to ‘Pay and Transfer’ and select ‘Transfer’. Then select the account you’d like to pay your credit card from and type in how much you want to pay. Check the details you've filled out, then click ‘Make transfer’.

Paying a non-Kiwibank Credit Card

If you’re paying a non-Kiwibank credit card from internet banking or the mobile app, go to 'Pay and Transfer’ and select ‘Pay a bill’. Find and select the bank or institution your credit card is with by typing their name in ‘Search for a biller’. Then choose which account you’d like to pay from and type in the amount you’d like to pay. Select the date you want to make the payment and then put your credit card details in the ‘Statement details’ field. Check the details you’ve filled out, then click ‘Make payment’.

Time your payments

You can choose the date and frequency of your payment. You can make it a one-off, or you can choose to make regular payments at set times, e.g. it could be weekly, fortnightly or monthly.

Watch the video above for a step-by-step guide on how to pay your credit card bill in internet banking.

Set up a direct debit

If you want to make sure you never miss a payment, you can set up a direct debit to automatically make regular payments on your credit card.

You can choose to pay your balance off in full each month, make just the minimum payment due each month, or set another amount that’s higher than the minimum.

To set up a direct debit, download and complete our Credit card direct debit authority form.

Make a payment to your credit card from another bank

You can make a payment to your Kiwibank Credit Card from another New Zealand bank via internet banking.

Select Kiwibank Credit Card as a payee

One way is to log into that bank’s internet banking and look for Kiwibank as a payee in the Payments section. Select Kiwibank Credit Card from the options and fill in the payee reference details as follows:

Payee particulars: First 12 digits of your credit card number

Payee code: Last four digits of your credit card number

Payee reference: The name embossed on your credit card (surname first)

When you can't find Kiwibank Credit Card as a payee

If you can't find Kiwibank Credit Card as a payee option, you can still make a payment from another bank's Payments section in internet banking. You'll need to use the following details:

Account/payee name: Kiwibank Credit Cards

Bank account number: 38-9300-0993030-11

Payee particulars: First 12 digits of your credit card number

Payee code: Last four digits of your credit card number

Payee reference: Name embossed on credit card (surname first)

Please note: A credit card payment can take two to three business days to process. You can’t pay your credit card directly from an overseas bank. Instead you need to put money into a New Zealand bank account and then transfer it to your card.

Minimum payments

You need to make sure that the amount you pay covers at least the minimum payment due each month, otherwise you’ll face a late payment fee. If you can, try to pay more than the minimum monthly payments. If you only pay the minimum you’ll end up paying more in interest and it will take longer to pay off your balance.

At Kiwibank the minimum monthly repayment is calculated as either 5% of your closing balance or $10, whichever is greater. The amount will be shown on your statement.

Our minimum repayments may be higher than other banks because we want you to pay down your debt faster – this will save you interest in the long run. It means that if you switch to a Kiwibank credit card from another bank’s card you might find that your minimum monthly repayments are higher.

Having trouble making your repayments?

If you're falling behind and struggling to meet your repayments, our team are here to help. See our financial hardship page for more information.