KiwibankZero Visa
4540 4047 9714 3961
VALID THRU 03/32SAM RIVERA
No Annual Fee · New Zealand
Kiwibank Zero Visa
4.3 / 5 editorial rating
Best for: a no-fee everyday card with a low rate on purchases and cash advances
Annual feeNo annual fee
IssuerKiwibank
NetworkVisa
Purchase APR12.90% p.a.
Foreign transaction feeSee issuer
Credit neededKiwibank's lending criteria…
Pros
- No account fee for any cardholder
- The low rate also applies to cash advances
- Low late payment fee
Cons
- No rewards or travel insurance
- The currency conversion fee is not shown on the card page
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The Kiwibank Zero Visa has no account fee for any cardholder and charges 12.90% p.a. on both purchases and cash advances. Balance transfers get 1.99% p.a. for six months.
Kiwibank Zero Visa at a glance
| Issuer | Kiwibank |
| Card network | Visa |
| Annual fee | None |
| Rewards rate | None |
| Welcome bonus | See issuer for the current offer |
| Intro APR | 1.99% p.a. for 6 months on balances transferred from non-Kiwibank credit cards |
| Regular APR | 12.90% p.a. |
| Foreign transaction fee | See issuer |
| Credit needed | Kiwibank's lending criteria apply; NZ$500 minimum credit limit |
| Best for | A no-fee everyday card with a low rate on purchases and cash advances |
Key features
- 12.90% p.a. on purchases and cash advances
- No account fee for primary, joint or additional cardholders
- Up to 55 interest-free days on purchases
- 1.99% p.a. for 6 months on balance transfers
- NZ$5 late payment fee
Pros
- No account fee for any cardholder
- The low rate also applies to cash advances
- Low late payment fee
Cons
- No rewards or travel insurance
- The currency conversion fee is not shown on the card page
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: kiwibank.co.nz
How it compares with similar New Zealand cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
KiwibankZero Visa 4540 4047 9714 3961 VALID THRU 03/32SAM RIVERA Kiwibank Zero VisaA no-fee everyday card with a low rate on purchases and cash advances |
None | None | 1.99% p.a. for 6 months on balances transferred from non-Kiw… | See issuer | Kiwibank's lending criteria ap… | |
ASBVisa Flex 4738 8385 9693 4496 VALID THRU 04/29CASEY BROOKS ASB Visa FlexThe lowest purchase rate, with no account fee and no offshore margin |
None | None | None | 0% (no Offshore Service Ma… | Aged 18 or over, NZ citizen or… |
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