Kiwibank Credit Card – Compare All Kiwibank Credit Cards in NZ

Item: Kiwibank Credit Cards
Rating: 4
Author: Credit Cards Compare NZ

We’ve compiled a list of Kiwibank Credit Cards to help you choose the best Kiwibank credit card to suit your needs. We have included the key information you need to help you make an informed decision. Use the credit card comparison table below to compare and find the best Kiwibank credit card to suit your needs.

To apply for a Kiwibank credit card below, simply click on the “Apply Now” button to review the details and apply. For more information about a specific card on our site, click on the “more info” link.

Kiwibank Credit Cards awarded 4/5 stars (Gold Award).

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Updated: 28 Apr, 2025

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Kiwibank Business Low Rate Visa Credit Card Gold Award (Business)	The Kiwibank Business Low Rate Visa Credit Card is a business credit card with a relatively low purchase rate of 12.50% and a relatively low annual fee of $25.00 per card charged as $6.25 per quarter.	12.50%	N/A	N/A	$25.00	49 days More Info » Apply Now »
Kiwibank Zero Visa Credit Card Platinum Award (Personal)	A low rate credit card with no annual fee and a 1.99% balance transfer for 6 months	12.90% p.a.	1.99% p.a. for 6 months	12.90% p.a.	$0.00	55 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Low Fee Visa Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar™ for every $200 spent on eligible purchases. Reward Points Cash Equivalent: $100 spend earns $0.50 cash equivalent^.	16.90% p.a.	1.99% p.a. for 6 months	16.90% p.a.	$50.00	44 days More Info » Apply Now »
Kiwibank Air New Zealand Airpoints Platinum Visa Credit Card Gold Award (Personal)	Earn 1 Airpoints Dollar™ for every $115 spent on eligible purchases. This card also comes with complimentary overseas travel insurance for you and your immediate family travelling with you for up to 40 days. Reward Points Cash Equivalent: $100 spend earns $0.64 cash equivalent^.	20.95%	1.99% p.a. for 6 months	20.95%	$180.00	44 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

About Kiwibank Credit Cards

Kiwibank offers a wide range of credit cards including low interest credit cards, rewards credit cards, balance transfer credit cards, no-annual fee credit cards and more. Use the credit card comparison table below to compare and find the best Kiwibank credit card to suit your needs.

Use the links below to narrow down your search. Alternatively, you can use our credit card finder tool to search through all credit cards to find the best credit card to suit your needs.

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About Kiwibank

Kiwibank was established in 2001, thanks to the vision of Jim Anderton, who was the Deputy Prime Minister at the time. He wanted to create a bank that was locally owned and operated, ensuring that profits stayed within New Zealand rather than going overseas. This idea was part of a broader effort to provide a competitive alternative to the Big Four Australian banks that dominated the market and are owned by Australian banks.

Initial Operations with New Zealand Post

Initially, Kiwibank operated as a subsidiary of New Zealand Post. To make banking services accessible to everyone, branches were set up within PostShops (post offices) across the country. This strategy ensured that even people in remote areas could access banking services without much hassle.

Early Challenges and Successes

In its early years, Kiwibank faced several challenges, including establishing its brand and gaining customer trust. However, it quickly overcame these hurdles. By 2005, just a few years after its launch, Kiwibank had already attracted over 250,000 customers. The bank continued to grow, reaching 600,000 customers by 2008. It also became the first New Zealand bank to offer real-time mobile banking, showcasing its commitment to innovation and customer service.

Personal Banking Services at Kiwibank

Accounts and Savings Options

Kiwibank offers an everyday account for daily transactions or a savings account to help you reach your financial goals. They also offer specialised accounts for kids and options for international and travel needs.

Kiwibank Home Loans and Mortgages

Kiwibank provides a range of home loan and mortgage options. From fixed-rate mortgages to flexible home loan packages.

Kiwibank Insurance Products

Kiwibank offers a variety of insurance products. You can choose from home, contents, car, and life insurance policies, each designed to provide comprehensive coverage. Their insurance solutions are straightforward and easy to understand, making it simple for you to select the right protection for your needs.

Kiwibank Business Banking Solutions

Kiwibank Business Accounts and Loans

Kiwibank offers a variety of business accounts and loans to meet business needs including everyday business accounts to specialised lending options, Kiwibank provides flexible solutions tailored to your requirements.

Merchant Services

Kiwibank’s merchant services include credit card processing, EFTPOS solutions, and online payment gateways.

Support for Small Businesses

Kiwibank offers various resources and tools to help businesses succeed, including business advice, financial planning, and access to networking opportunities.

Kiwibank’s Commitment to New Zealand

Keeping Profits in New Zealand

Kiwibank is dedicated to ensuring that the profits generated stay within New Zealand. This commitment helps to support the local economy and provides financial stability for the community. By banking with Kiwibank, you are contributing to the growth and prosperity of New Zealand.

Community Initiatives

Kiwibank actively participates in various community initiatives. One notable partnership is with Banqer, a children’s financial literacy provider. This program aims to educate young Kiwis about managing money effectively. Additionally, Kiwibank is a major sponsor of the New Zealander of the Year Awards, celebrating the achievements of outstanding individuals in the community.

Sustainability Efforts

Kiwibank is committed to sustainability and reducing its environmental footprint. The bank has implemented several green initiatives, such as reducing paper usage and promoting digital banking solutions. These efforts are part of a broader strategy to ensure a sustainable future for New Zealand.

Kiwibank Digital and Online Banking

Kiwibank Internet Banking Features

Kiwibank offers a range of internet banking features designed to make managing your finances easy and convenient. You can check your account balances, transfer money between accounts, and pay bills online. Additionally, you can set up automatic payments and view your transaction history at any time.

Kiwibank Mobile Banking App

With the Kiwibank mobile banking app, you can manage your money on the go. The app allows you to check your balances, transfer funds, and pay bills from your smartphone or tablet. It also includes features like fingerprint login for added security and the ability to quickly find branches and ATMs near you.

Kiwibank Online Security Measures

Kiwibank takes your online security seriously. They use advanced encryption technology to protect your personal information and financial transactions. Additionally, they offer tips and resources to help you keep your accounts safe, such as using strong passwords and being aware of phishing scams.

Governance and Leadership

Kiwibank Board of Directors

Kiwibank’s Board of Directors is responsible for overseeing the bank’s strategic direction and ensuring it meets its goals. The board is made up of experienced professionals who bring a wealth of knowledge from various industries. They work together to guide the bank’s policies and ensure it operates in the best interests of its customers and stakeholders.

Kiwibank Executive Team

The Executive Team at Kiwibank is tasked with the day-to-day management of the bank. This team includes the CEO and other senior leaders who are experts in their fields. They are responsible for implementing the strategies set by the Board of Directors and ensuring the bank runs smoothly and efficiently.

Kiwibank Corporate Governance Policies

Kiwibank is committed to maintaining high standards of corporate governance. This includes adhering to legal requirements and best practices in the industry. The bank has a range of policies in place to ensure transparency, accountability, and ethical behavior. These policies help to build trust with customers and stakeholders, ensuring the bank operates with integrity at all times.

Customer Support and Assistance

Contacting Kiwibank

If you need to get in touch with Kiwibank, there are several ways to do so. You can call their customer service line, visit a local branch, or use their online contact form. For quick questions, their social media channels are also a good option.

Help and Support Resources

Kiwibank offers a variety of resources to help you with your banking needs. Their website has a comprehensive help section where you can find answers to common questions. Additionally, they offer live chat support.

Handling Complaints and Feedback

Kiwibank takes customer feedback seriously. If you have a complaint, you can submit it through their website or speak directly with a customer service representative. They aim to resolve issues quickly and efficiently, ensuring you have a positive banking experience.

Frequently Asked Questions

What is Kiwibank’s main purpose?

Kiwibank aims to keep all its profits within New Zealand and help make life better for Kiwis.

Who started Kiwibank and when?

Kiwibank was started in 2001 by politician Jim Anderton with the idea of having a locally-owned bank.

What types of personal banking services does Kiwibank offer?

Kiwibank offers accounts, savings options, home loans, mortgages, and insurance products for personal banking.

How does Kiwibank support small businesses?

Kiwibank provides business accounts, loans, merchant services, and special support for small businesses.

What digital banking options are available at Kiwibank?

Kiwibank offers internet banking, a mobile banking app, and various online security features to keep your information safe.

How can I contact Kiwibank for help?

You can contact Kiwibank through their help and support resources, or by reaching out directly for assistance with complaints and feedback.

What is the best credit card in NZ?

The best credit card for you would depend on your personal circumstance and how you intend to use your credit card. We have put together a list of some of the best credit cards in New Zealand to help you find the best credit card in NZ to suit your individual needs. Alternatively, you can narrow down your search by credit card type such as Airpoints credit cards, interest free credit card, low rate credit card, balance transfer, credit card reward or air nz credit card