Applying for a Credit Card online

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1. New Zealand Resident

This is a grey area and varies from one credit card provider to another. The premise behind this requirement is that credit card providers do not want to hand out credit cards to temporary residents who might leave New Zealand without paying off their credit card debt.

Each credit card provider has their own definition of what constitutes a New Zealand resident, but if you have the legal right to permanently reside in New Zealand and are currently residing in New Zealand, then you shouldn’t have a problem with this requirement.

Some long term temporary residents of New Zealand such as those being sponsored to work in New Zealand might still be able to get a credit card in New Zealand provided they meet the other eligibility requirements listed below.

2. 18 years or older

All credit card providers in New Zealand require you to be 18 years or older to apply for a credit card.

3. Minimum Income

Most credit card providers in New Zealand require you to have a minimum annual income of around $15,000 to $35,000 before tax (depending on the credit card provider).

4. Good Credit History

This simply means you must not have a bad credit history. Having existing credit card debt or a personal loan would not automatically exclude you from getting a credit card.

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1. Personal Identity Information

You would need to provide personal identity information about yourself such as your name, date of birth, residential address, phone number, email address, residency type, residency status etc. If you have only been in your current address for a less than a year, you might be required to provide your previous address too.

2. Employment Information

You would need to provide information about your employment status including whether you are self employed and your annual income.

3. Finance Information

You would need to provide information about your finances including asserts, liabilities, interests from savings, number of dependents etc.

4. Residency Information

You would need to provide information about your residency status in New Zealand such as if you are a New Zealand Citizen, Permanent residence visa holder etc.

Note: in most cases you do not have to provide any supporting documents with your initial credit card application.

1. Proof of identity

This includes documents such as your driver’s licence, passport, 18+ card, birth certificate etc.

2. Proof of address

This includes documents such as utility bill addressed to you, your bank statements etc.

3. Proof of residency

This might include your NZ passport, NZ citizenship certificate, Permanent residency visa, spouse visa etc.

4. Proof of employment and income

This includes documents such as pay slips, work contract, earning etc.

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