Kiwibank Zero Visa is designed for people who prefer clear costs over rewards programmes and premium extras. With no account fee and a 12.90% p.a. rate on purchases and cash advances, this Visa credit card provides a simple way to access credit.
Kiwibank Zero Visa: best credit card for keeping everyday costs down
The card charges no account fee for the main cardholder or any joint and additional cardholders. This makes it a strong credit card with no annual fee for households that want more than one card linked to the account.
Cardholders can also receive up to 55 interest-free days on purchases by paying the entire balance by the due date. Apple Pay, Google Pay, contactless payments and in-app PIN management add convenient digital credit card features.
Should I get a credit card from Kiwibank?
Kiwibank was established in 2002 to create a New Zealand-owned bank focused on making Kiwis better off. It is now the country’s largest locally owned bank and serves more than one million customers, reinforcing its credibility among credit card companies.
Its mobile app and Internet Banking allow customers to manage their PIN and apply for changes to an existing card. These tools make this New Zealand credit card easier to manage without relying only on branch visits.
How to get a credit card from Kiwibank?
To obtain the Kiwibank Zero Visa, you need to:
- Meet Kiwibank’s lending criteria.
- Complete the online application process.
- Provide the personal and financial information requested.
- Complete identity verification if you are new to Kiwibank.
- Receive Kiwibank’s approval.
- Accept the applicable terms, conditions, rates and fees.
Apply for credit card
- Visit the Kiwibank Zero Visa page.
- Select the online application option.
- Log in through Internet Banking or the mobile app if you are an existing customer.
- Complete the online form if you are new to Kiwibank.
- Provide the information required for your credit card application.
- Complete identity verification when requested.
- Submit the application for assessment.
FAQ
How does Kiwibank Zero Visa interest work?
The credit card interest rate is 12.90% p.a. for both purchases and cash advances. Interest rates are subject to change.
Up to 55 interest-free days apply to purchases when the entire balance is paid by the due date each month. The credit card interest-free period does not apply to cash advances or balance transfers.
How to increase the Kiwibank Zero Visa limit?
You can request a credit limit change through Kiwibank’s available banking channels. Any increase remains subject to Kiwibank’s lending criteria and credit card approval.
How to pay off Kiwibank Zero Visa?
You must make a minimum monthly repayment of 5% of the statement balance or NZ$10, whichever is greater. Paying the full balance by the due date helps you access the available credit card interest-free period on purchases.
How to cancel a credit card from Kiwibank?
Contact Kiwibank to request closure of your Zero Visa account. Before cancelling this low-fee credit card, ensure any outstanding balance, pending transactions and linked joint or additional cards have been addressed.