Updated September 29, 2026 · SumCue Editorial Team
Kiwibank vs RinggitPlus Credit Card
RinggitPlus Credit Card
Kiwibank
Higher score in this comparison
What sets them apart
| Compare | KiwibankReviewSee alternativesSee alternatives | RinggitPlus Credit CardReviewVisitVisit |
|---|---|---|
| Annual fee | NZ$0 | MYR 195 |
| APR | 12.9%Lower | 15% |
| Rewards type | None | Cashback |
| Balance transfer fee | 1% | 0%Lower |
| Currency conversion fee | 2.5% | Not confirmed |
| Rewards rate | Not confirmed | up to 10% |
| Perks | 55 days interest free on purchases | Not confirmed |
Same on both: Balance transfer intro period (6 months), Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Kiwibank scores higher overall: 9.2 vs 8.8.
- Founded is lower at Kiwibank: 2001 vs 2013.
- APR is lower at Kiwibank: 12.9% vs 15%.
- Balance transfer fee is lower at RinggitPlus Credit Card: 0% vs 1%.
- Support channels: only Kiwibank offers Phone, Help centre.
Our verdict on each
Kiwibank
Kiwibank suits New Zealand bank customers who want a plain everyday card, with a NZD 0 monthly fee on the Visa debit card and rewards listed as none. Costs stay light at home, but a currency conversion fee of 2.5% makes overseas spending the trade-off to weigh.
RinggitPlus Credit Card
RinggitPlus Credit Card suits shoppers who want cashback on everyday spend plus a short balance transfer window. It charges an annual fee of MYR 195 with APR of 15% and cashback of up to 10% through rewards support of rewards for regular use.
Score breakdown
| Area | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| Cost | 8.9APR 12.9% on the credit card and a balance transfer fee of 1% for 6. | 9.2HigherAnnual fee of MYR 195 with transfer fee of 0% shapes overall cost. |
| Offer | 9.9Higher | 8.7Cashback of up to 10% in cashback form via rewards defines appeal. |
| Trust | 9.1Higher | 8.4Linked to Jirnexu Sdn Bhd with help via email and chat for queries. |
Where they rank in our lists
| Ranking | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| Credit and debit cards | 325 of 1594 | 48 of 1594 |
| Balance transfer cards | 11 of 32 | 1 of 32 |
Moving a 3,000 balance
Kiwibank
30
1% of 3,000
RinggitPlus Credit Card
0
0% of 3,000
RinggitPlus Credit Card comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
Choosing between them
Pick Kiwibank if trust and apr matter most.
Pick RinggitPlus Credit Card if cost and balance transfer fee matter most.
Licences and countries
| Country | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| New Zealand | Not confirmed |
Additional countries for Kiwibank: 1. Additional countries for RinggitPlus Credit Card: 1.
Where these facts come from
Kiwibank
- kiwibank.co.nz: 7 facts, checked September 26, 2026
- creditcardscompare.co.nz: 3 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
- wise.com: 1 fact, checked September 26, 2026
RinggitPlus Credit Card
- ringgitplus.com: 13 facts, checked September 29, 2026
Every fact side by side
| Fact | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Not confirmed | Rewards |
| Audience | Business | Not confirmed |
| Legal entity | Kiwibank Limited | Jirnexu Sdn Bhd |
| Headquarters | New Zealand | Malaysia |
| Founded | 2001Lower | 2013 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat |
Loans
| Fact | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| Lender type | Direct lender | Not confirmed |
| Loan types | Personal | Not confirmed |
Savings
| Fact | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| Monthly fee | NZ$0 | Not confirmed |
Where each stands against the rest
| Fact | Kiwibank | RinggitPlus Credit Card | Median |
|---|---|---|---|
| APR | 12.9%above the median | 15%above the median | 11.635% |
| Currency conversion fee | 2.5%above the median | Not confirmed | 1% |
| Balance transfer intro period | 6 monthslowest quarter | 6 monthslowest quarter | 12 months |
| Balance transfer fee | 1%below the median | 0%lowest quarter | 3% |
Median across 486 listed providers.
Pros and cons
Kiwibank
Pros
- The Visa debit card carries a monthly fee of NZD 0 and ranks 1 of 422 on that measure.
- Support covers phone, email and chat, so you can reach a person in the way you prefer.
- Purchases on the credit card can run interest free, with 55 days interest free on purchases.
Cons
- Spending abroad is costly: the currency conversion fee is 2.5%, which ranks Kiwibank at 196 of 258.
- The credit card has a rewards type of none, so spending earns nothing back.
- The debit card is aimed at business customers, so personal shoppers get less from it.
RinggitPlus Credit Card
Pros
- Cashback of up to 10% with cashback focus for everyday spend
- Balance transfer fee of 0% with cover for 6
- Support access through email and chat for written queries
Cons
- Annual fee of MYR 195 applies even when spend remains modest
- APR of 15% adds borrowing cost when balances carry over
- Support runs on email and chat only for account queries
Who each suits
Kiwibank
Who it suits
- New Zealand bank customers who want an everyday Visa debit card without a monthly charge.
- People who want a credit card with an interest-free purchase window and an annual fee of NZD 0.
- Borrowers moving an existing balance who can use the 6 introductory window.
Who should look elsewhere
- Wise, if you convert currency often, because a currency conversion fee of 2.5% pushes Kiwibank down the fee ranking.
- bunq, if your spending sits outside New Zealand, since bunq's monthly fee is €0 while Kiwibank's card serves a single market.
- Varo Believe Secured Credit Card, if you want the card secured, since Kiwibank offers a debit card and a credit card instead.
RinggitPlus Credit Card
Who it suits
- Shoppers seeking cashback rewards for routine retail spend
- Planners seeking a short transfer window with low upfront cost
Who should look elsewhere
- Fee sensitive users who prefer eToro because annual charges differ
- Fee sensitive users who prefer Bitpanda because annual charges differ
Current offers
RinggitPlus Credit Card
Current offer
Bonus
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Apply, approved by 18 Nov 2026, activate and spend RM200 in 60 days for UOB ONE Card
Source, checked September 29, 2026
Country by country
| Country | Kiwibank | RinggitPlus Credit Card |
|---|---|---|
| Malaysia | No | Yes |
| New Zealand | Yes | No |
Questions about each
Kiwibank
What does the Kiwibank debit card cost each month?+
The Visa debit card has a monthly fee of NZD 0, which is why Kiwibank ranks 1 of 422 on that measure. The card is a debit card on the visa network, so the monthly charge is the only regular cost listed.
What does it cost to spend in another currency?+
The currency conversion fee is 2.5% on the debit card, and Kiwibank sits at 196 of 258 on that measure. Spending in New Zealand on the card avoids that cost, so the card suits local use. Travellers who convert often should weigh the fee before applying.
RinggitPlus Credit Card
What annual fee applies to this card+
The card carries an annual fee of MYR 195 for continued membership regardless of usage level. Budget for this charge alongside interest if balances revolve. Paying in full each cycle keeps total cost focused on the annual fee rather than added interest.
How does the purchase interest rate work+
Purchases that revolve accrue interest at APR of 15% under standard terms. Clearing the balance in full each cycle avoids that interest charge. Keeping balances low helps manage total borrowing cost over time.
Other options to compare
RinggitPlus Credit Card
Kiwibank