Updated October 14, 2026 · SumCue Editorial Team
Kiwibank vs Virgin Atlantic Reward Credit Card
Kiwibank
Virgin Atlantic Reward Credit Card
Higher score in this comparison
Where Kiwibank and Virgin Atlantic Reward Credit Card differ
| Compare | KiwibankReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | NZ$0 | £0 |
| Currency conversion fee | 2.5% | 0%Lower |
| Card network | Visa | Not confirmed |
Same on both: Card type (Debit).
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Key differences
- Virgin Atlantic Reward Credit Card scores higher overall: 9.3 vs 9.2.
- Currency conversion fee is lower at Virgin Atlantic Reward Credit Card: 0% vs 2.5%.
- Support channels: only Kiwibank offers Email.
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.
Virgin Atlantic Reward Credit Card
The UK Virgin Atlantic Reward Credit Card has no annual card fee and earns 0.75 Virgin Points per £1 on everyday purchases. The card page says monthly points are capped based on the credit limit and that the Virgin Money Credit Card app is needed to manage the card. Credit is available only to UK...
Score breakdown
| Area | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 8.9APR 12.9% on the credit card and a balance transfer fee of 1% for 6. | 9.2Higher |
| Offer | 9.9Higher | 9.4 |
| Trust | 9.1 | Not confirmed |
Availability and regulation
| Country | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| New Zealand | Not confirmed | |
| United Kingdom | Not confirmed |
Additional countries for Kiwibank: 1. Additional countries for Virgin Atlantic Reward Credit Card: 1.
Positions in our rankings
| Ranking | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Credit and debit cards | 325 of 1594 | 271 of 1594 |
| Credit cards | 106 of 421 | 91 of 421 |
| Debit cards | 202 of 826 | 168 of 826 |
| Balance transfer cards | 11 of 32 | 7 of 32 |
Choosing between them
Pick Kiwibank if offer matter most.
Pick Virgin Atlantic Reward Credit Card if cost and currency conversion fee matter most.
Sources behind this comparison
Kiwibank
- kiwibank.co.nz: 4 facts, checked September 26, 2026
- en.wikipedia.org: 3 facts, checked September 26, 2026
- glimp.co.nz: 1 fact, checked September 26, 2026
- wise.com: 1 fact, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Features | Not confirmed | Rewards |
| Audience | Business | Not confirmed |
| Legal entity | Kiwibank Limited | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | New Zealand | United Kingdom |
| Founded | 2001 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Chat, Help centre, Phone |
Credit cards
| Fact | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Annual fee | NZ$0 | Not confirmed |
| APR | 12.9%Lower | 27.9% |
| Rewards type | None | Cashback |
| Pricing model | No annual fee | Not confirmed |
| Balance transfer intro period | 6 months | 21 monthsHigher |
| Balance transfer fee | 1%Lower | 2.95% |
| Perks | 55 days interest free on purchases | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Card kind | Credit | Credit |
Loans
| Fact | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Lender type | Direct lender | Not confirmed |
| Loan types | Personal | Not confirmed |
Where each stands against the rest
| Fact | Kiwibank | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Currency conversion fee | 2.5%above the median | 0%below the median | 1% |
Median across 336 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.
Virgin Atlantic Reward Credit Card
Pros
- The Reward card page lists no annual card fee and an everyday earning rate of 0.75 Virgin Points per £1.
- The page explains that monthly points are capped based on the credit limit, making that limit relevant when considering potential points earned.
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.
Virgin Atlantic Reward Credit Card
Who it suits
- UK residents aged 18 or over who meet the subject-to-status condition, value Virgin Points and are or can become Virgin Atlantic Flying Club members.
Current offers
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| New Zealand | Yes | No |
| United Kingdom | No | Yes |
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.
Virgin Atlantic Reward Credit Card
Who can apply for the Virgin Atlantic Reward Credit Card?+
The card page says credit is available subject to status only to UK residents aged 18 or over.
Do cardholders need membership to benefit from points?+
Yes. The page says a Virgin Atlantic Flying Club membership is needed to benefit from points earned.
Other options to compare
Other matchups
Kiwibank
Virgin Atlantic Reward Credit Card