How do I dispute an unauthorised transaction on my Kiwibank card?

Each Kiwibank card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Kiwibank directly, every Kiwibank card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Kiwibank's own T&C document.

How current is the information on this page?

Every card fact on this page is sourced from Kiwibank's official Conditions of Use PDFs. The most recent ingestion was on pending. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.

Is "best Kiwibank credit card" advice on this page?

No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.

What rights does the Credit Contracts and Consumer Finance Act (CCCFA) give me?

The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Kiwibank T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).

How does Kiwibank compare with other NZ credit-card issuers?

See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Kiwibank cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

Kiwibank Credit Cards

Kiwibank's three credit cards include Zero, Zero Classic and Zero Platinum. T&C ingest is in progress — figures shown below are sourced from the Kiwibank rates schedule (Tier C) until the full Conditions of Use ingest completes.

Cards

3 active

Annual fee

—

Purchase APR

—

T&C ingested

0/3

Last verified

pending

📋 Provenance promise

Every fact on this page is sourced from Kiwibank's official Conditions of Use PDFs (SHA-256 hashed, 36-month freshness cap). Green chip A = verbatim from T&C. Blue B = issuer website. Amber C = editorial registry, T&C ingest pending. JSON facts API →

Side-by-side comparison — all Kiwibank cards

Updated May 2026. Source-tier badge next to each value links to the original T&C PDF or issuer rates page. Empty cells mean the figure isn't in the ingested T&C — see the per-card sections below for the verbatim quote.

Card	Annual fee	Purchase APR	Cash advance APR	BT promo APR	BT months	Interest-free days	FX fee	Late fee	Min repayment	Supplementary fee	Replacement fee	Min income
Kiwibank Airpoints Credit Card Visa	—	—	—	—	—	—	—	—	—	—	—	—
Kiwibank Zero Classic Visa	—	—	—	—	—	—	—	—	—	—	—	—
Kiwibank Zero Platinum Visa	—	—	—	—	—	—	—	—	—	—	—	—

Every Kiwibank card — deep dive

Each card with its full fact set; T&C-linked. Tap "View full T&C" to read the verbatim markdown.

Kiwibank Airpoints Credit Card

Visa · active

Ingest pending

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full Kiwibank Airpoints Credit Card review →

Kiwibank Zero Classic

Visa · active

Ingest pending

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full Kiwibank Zero Classic review →

Kiwibank Zero Platinum

Visa · active

Ingest pending

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full Kiwibank Zero Platinum review →

Frequently Asked Questions

: Each Kiwibank card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Kiwibank directly, every Kiwibank card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Kiwibank's own T&C document.
: Every card fact on this page is sourced from Kiwibank's official Conditions of Use PDFs. The most recent ingestion was on pending. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.
: No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.
: The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Kiwibank T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).
: See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Kiwibank cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

How we keep this page current

Source: Kiwibank's official Conditions of Use PDFs (downloaded with browser user agent — NZ bank CDNs reject bot UAs).
Hash: Every ingested PDF gets a SHA-256 hash so we can detect document-level changes between versions.
Extract: Haiku 4.5 produces verbatim markdown; Sonnet 4.6 extracts a 49-field structured fact set against a Zod schema.
Freshness cap: 36 months on source-document date — any fact older than that is automatically excluded from the page.
Provenance: Every cell on this page links to the source PDF (or issuer page) for that specific fact.
Open data: See /api/issuer/kiwibank/facts.json for the structured fact dump, or /api/card/kiwibank-airpoints/wording.md for a verbatim T&C example.

Compliance + scope

This page publishes facts, not advice. We don't claim any card is "best" without disclosed methodology, and we don't carry CCCFA-prohibited marketing language ("guaranteed approval", "lowest rate", "no credit check", "anyone can qualify"). For one-on-one advice, see a licensed Financial Advice Provider — we are not a FAP.

Rewards program names are trademarks of their respective owners (Airpoints® Air New Zealand, True Rewards® ANZ, Hotpoints® Westpac, Fly Buys® Loyalty New Zealand).

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