Kiwibank credit cards

Compare Kiwibank's credit card interest rates, fees, and charges to make a more informed decision about your next credit card.

By   |   Verified by David Boyd   |   Updated 19 Oct 2023

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business

Comparing Kiwibank credit cards

Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card

Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card

Balance transfer

6 months at 1.99% p.a.

Purchase rate

16.9% p.a. ongoing

Annual fee

$50.00 p.a. ongoing

Highlights

  • Balance transfer from a non-Kiwibank credit card gets a 1.99% p.a. introductory rate for 6 months.
  • 16.90% p.a. on cash advances and purchases.
  • Earn 1 Airpoints Dollar for every $200 of eligible spend.
  • Get up to 44 interest-free days on purchases.

Pros

  • Competitive interest rates on cash advances and purchases.
  • balance transfer offer at 1.99% p.a. for 6 months.
  • $50 p.a. annual fee.
  • No cap on number of daily withdrawal (but there is a cap on total withdrawal per day)

Cons

  • Other cards offer up to 55 days on purchases.
  • Additional cardholders cost you $10 per card p.a.
  • There is a 1.85% international transaction fee if you use your card overseas.
  • No complimentary travel insurance.
  • Cap of $1,000 on daily cash advances from ATMs.
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card

Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card

Balance transfer

6 months at 1.99% p.a.

Purchase rate

20.95% p.a. ongoing

Annual fee

$180.00 p.a. ongoing

Highlights

  • Earn 1 Airpoints Dollar per $115 of eligible spend.
  • Get up to 44 interest-free days on purchases.
  • Balance transfer offer for 6 months at 1.99% p.a.

Pros

  • Earn Airpoints Dollars on eligible spending.
  • Earn Air New Zealand Status Points.
  • Introductory balance transfer offer for 6 months at 1.99% p.a. for non-Kiwibank debt.
  • Comes with overseas travel insurance.
  • Get Koru membership for one year at a discount with no joining fee.

Cons

  • The $180 p.a. annual fee.
  • Interest-free days are limited to 44 days.
  • There is a 1.85% international transaction fee.
  • Each additional cardholder costs $30 p.a.
  • High minimum credit limit of $8,000.
Kiwibank Zero Visa Credit Card

Kiwibank Zero Visa Credit Card

Balance transfer

6 months at 1.99% p.a.

Purchase rate

12.9% p.a. ongoing

Annual fee

$0.00 p.a. ongoing

Highlights

  • $0 annual fee for the life of the account.
  • A low ongoing interest rate of 12.90% p.a. on cash advances and purchases.
  • An introductory 6-month balance transfer at 1.99% p.a. interest, reverting to 12.90% p.a.
  • Enjoy up to 55 interest-free days on purchases.

Pros

  • No annual fee.
  • Balance transfer at 1.99% p.a. for 6 months.
  • Low ongoing annual purchase and cash advance rate.
  • Additional cardholders at no extra cost.
  • $500 minimum credit limit to control spending and card debt.

Cons

  • No rewards program on this card.
  • No built-in travel insurance.
  • Overseas ATM or staff-assisted cash advances cost $6 per transaction.
  • ATM Cash advance daily maximum capped at $1,000 (with no limit on the number of withdrawals).