No account fees—even for joint or additional cards
With Zero Visa, you’ll never pay account maintenance fees—not for the primary cardholder, nor for joint or additional cards. It’s a great solution for anyone seeking simplicity and full control over their spending.
Low interest rate of 12.90% p.a.
This is one of the most competitive rates available in New Zealand for purchases and cash advances. Ideal for those who occasionally carry a balance and want to minimise interest costs.
Up to 55 days interest-free on purchases
When you pay your full monthly balance on time, you’ll enjoy up to 55 interest-free days on purchases. It’s an effective way to plan your payments and avoid unnecessary charges.
1.99% p.a. for 6 months on balance transfers
Transfer balances from a non-Kiwibank credit card and pay just 1.99% p.a. for the first six months. A smart and affordable way to consolidate your credit card debt.
Why Zero Visa from Kiwibank Is Perfect for Everyday Use
The Zero Visa credit card from Kiwibank is tailored for individuals who prioritise cost efficiency, simplicity, and flexibility in their financial tools. It eliminates the common pain points of credit card ownership—like account fees and high interest rates—making it an excellent companion for daily transactions. With a competitive rate of 12.90% p.a. on purchases and cash advances, it ensures that even if you carry a balance, the cost remains manageable. Whether you’re buying groceries, paying utility bills, or handling small business expenses, the Zero Visa adapts effortlessly to your routine financial needs.
In addition to its affordability, the card embraces modern digital convenience. It’s fully compatible with Apple Pay and Google Pay, allowing users to make secure, contactless payments directly from their smartphone or smartwatch—ideal for fast-paced lifestyles. Plus, for added financial security, any positive balance on your credit card account is protected under the New Zealand Depositor Compensation Scheme. This added assurance makes the Zero Visa not just a practical tool, but a reliable one—designed to offer peace of mind while helping you stay in control of your spending.
Yes, that’s one of the main advantages of the Zero Visa. It comes with absolutely no account fees—whether you’re the primary cardholder, have a joint account, or add additional cardholders. You won’t be charged for simply having the card open, making it ideal for both regular and occasional use without worrying about ongoing costs.
To benefit from up to 55 days interest-free on purchases, you must pay your full closing balance by the statement due date each month. This interest-free window gives you time to manage your expenses without paying extra—but it only applies to eligible purchases. Cash advances are excluded and will accrue interest immediately from the transaction date.
To access the 1.99% p.a. balance transfer offer, you simply need to transfer a balance from a non-Kiwibank credit card. Once processed, the promotional rate applies for six months. This is a great opportunity to reduce your interest payments and streamline your debts—but remember, after the six-month period, the standard purchase rate will apply to any remaining transferred balance.
The Zero Visa is compatible with Apple Pay and Google Pay, allowing you to make secure and contactless payments through your smartphone or smartwatch. It’s quick to set up and lets you shop in-store or online without needing your physical card—offering extra convenience and security in your everyday transactions.
Each month, you’re required to pay the greater of either 5% of your outstanding statement balance or NZD $10. If this minimum payment isn’t received by the due date, a NZD $5 late payment fee will apply. Additionally, missing payments could affect your eligibility for promotional interest rates like the balance transfer offer, so staying on top of your payments is essential.
Learn More Before Applying for the Zero Visa from Kiwibank
The Zero Visa is a smart, no-frills credit card designed to give you financial flexibility without the burden of fees or overly complex terms. With its low interest rate, up to 55 days interest-free on purchases, and compatibility with modern digital wallets, it offers a practical, user-friendly solution for managing everyday expenses. Whether you’re just starting out with credit or looking to simplify your financial life, the Zero Visa provides real value for anyone seeking low-cost, reliable credit.
Before you apply, it’s important to make sure you meet Kiwibank’s eligibility requirements. You must be at least 18 years old, have a stable income, and maintain a good credit history. You’ll need to provide a few key documents during the application process, such as a valid New Zealand ID or driver’s licence, recent payslips or your latest IRD income summary, and a breakdown of your current financial obligations—including debts and monthly expenses. Once you’ve gathered the necessary information, click the button below to start your application on the official Kiwibank website. The process is entirely online, safe, and designed to get you a decision as quickly as possible.