Standard terms and conditions

Interest rates subject to change. Interest free period does not apply to cash advances or balance transfers.

*Airpoints Dollars are not available on balance transfers, credit card repayment insurance or cash advances.

Mastercard and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated.

Air New Zealand Airpoints

Air New Zealand’s Airpoints programme terms and conditions apply, visit for details. Airpoints Dollars is Air New Zealand’s registered trademark and is Air New Zealand’s Airpoints programme currency.

Balance transfers

The special balance transfer interest rate applies to the balance transferred from another bank credit or store card and is available for existing and new Kiwibank customers. Minimum balance transfer amount is $200. This offer is not available on existing Kiwibank Credit Card balances or business credit cards. Transfers are subject to your Kiwibank approved credit limit. If the amount requested to be transferred exceeds your credit limit, Kiwibank may process a lesser amount up to your credit limit. After six months, your balance transfer will be treated as a purchase and our standard interest rate for purchases will apply. That rate will also apply to any new purchases you make on your card. If you have more than one balance transfer, payments applied to balance transfers will be applied to the balance transfer with the lowest interest rate first.

Lending criteria, terms and conditions and fees apply.

Credit card repayment insurance

Credit Card Repayment Insurance is provided by Kiwi Insurance Limited, and Kiwi Insurance Limited is solely responsible for any claims under the policy. Kiwibank Limited does not guarantee the obligations of, or any products provided by Kiwi Insurance Limited. Kiwibank Limited may receive a commission on any policy it arranges.

Important terms, conditions and exclusions are set out in the Credit Card Repayment Insurance Policy wording (PDF 231.3 KB).