Kiwibank Credit Cards
New Zealand's own bank offers credit cards designed by Kiwis, for Kiwis. Compare low-rate, rewards, and business cards from 100% NZ-owned Kiwibank.
All Kiwibank Credit Cards
Kiwibank Low Rate Visa
- ✓ Market-leading 12.95% interest rate
- ✓ 0% balance transfers for 6 months
- ✓ 55 days interest-free purchases
- ✓ No penalty rates
- ✓ Perfect for debt consolidation
Kiwibank Gem Visa
- ✓ Earn Gem points on purchases
- ✓ Redeem for cash or vouchers
- ✓ Support NZ charities
- ✓ Competitive interest rate
- ✓ Simple rewards program
Kiwibank Classic Visa
- ✓ No annual fee
- ✓ 55 days interest-free
- ✓ Competitive ongoing rate
- ✓ Kiwi-owned banking
- ✓ Great for first-time users
Kiwibank Business Visa
- ✓ Competitive business rates
- ✓ Expense management tools
- ✓ Support NZ business community
- ✓ Flexible credit limits
- ✓ Local business support
Kiwibank Secured Visa
- ✓ Build credit with deposit security
- ✓ Graduate to unsecured cards
- ✓ Full Visa acceptance
- ✓ Low annual fee
- ✓ Perfect for new residents
Kiwibank Student Visa
- ✓ No annual fee for students
- ✓ Low credit limit to start
- ✓ Build credit responsibly
- ✓ Graduate to full cards
- ✓ Support Kiwi students
Why Choose Kiwibank Credit Cards?
100% Kiwi Owned
New Zealand owned and operated, with profits staying in NZ
Market-Leading Rates
Consistently lowest credit card interest rates in New Zealand
Community Focus
Supporting New Zealand communities and businesses
Simple & Fair
No-nonsense banking with transparent terms and conditions
New Zealand's Lowest Credit Card Rate
See how much you could save with Kiwibank's market-leading 12.95% rate
Interest Rate Comparison
Annual Savings Calculator
*Compared to 20.95% average rate
Kiwibank Gem Rewards
Simple rewards designed for New Zealand lifestyles
Earn Gems
Earn Gem points on all purchases with no caps or restrictions on earning.
Redeem Flexibly
Convert Gems to cashback, retail vouchers, or support New Zealand charities.
Support Local
Redeem at New Zealand retailers or donate to Kiwi charities.
Kiwibank Credit Card Comparison
| Card | Annual Fee | Interest Rate | Special Feature | Best For |
|---|---|---|---|---|
| Low Rate Visa | $50 | 12.95% | Lowest rate in NZ | Balance carriers |
| Gem Visa | $40 | 18.95% | Gem rewards | Reward earners |
| Classic Visa | $0 | 19.95% | No annual fee | First-time users |
| Business Visa | $45 | 18.95% | Business tools | Business owners |
| Secured Visa | $25 | 19.95% | Build credit | New to credit |
| Student Visa | $0 | 19.95% | Student focus | Students |
Frequently Asked Questions
Kiwibank offers several credit cards including Kiwibank Low Rate Visa, Kiwibank Gem Visa (with rewards), Kiwibank Classic Visa, and business credit cards. As a 100% New Zealand owned bank, all their cards are designed specifically for Kiwi customers.
Kiwibank is 100% New Zealand owned and operated, with a focus on serving Kiwi customers rather than overseas shareholders. They're known for competitive rates, no-nonsense banking, and strong community involvement. Kiwibank often leads the market with innovative offers like their low-rate credit cards.
The Kiwibank Gem Visa earns Gem points on purchases which can be redeemed for cashback, retail vouchers, or donated to charity. It's designed to be simple and flexible, without the complexity of airline programs or restrictive redemption requirements.
Yes, Kiwibank consistently offers some of the lowest credit card interest rates in New Zealand, particularly with their Low Rate Visa at 12.95% p.a. This makes them popular for customers who occasionally carry balances or want balance transfer options.
Kiwibank requires applicants to be 18+ years old, New Zealand residents, have regular income (typically $20,000+ for basic cards), and good credit history. They're known for supporting New Zealand customers and often have more flexible criteria than international banks.
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