Updated September 28, 2026 · DebitCue Editorial Team
Hawaiian Airlines vs Kiwibank
Hawaiian Airlines
Kiwibank
Higher score in this comparison
Where Hawaiian Airlines and Kiwibank differ
| Compare | Hawaiian AirlinesReviewSee alternativesSee alternatives | KiwibankReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $99 | NZ$0 |
| Rewards type | Points | None |
| Balance transfer intro period | 15 monthsHigher | 6 months |
| Perks | 2 free checked bags on eligible Hawaiian Airlines and Alaska Airlines operated flights for the primary cardmember, One time 50% off companion discount for one published full main cabin round trip fare, $100 companion discount after each account anniversary, valid 12 months, No foreign transaction fee on international purchases, Up to $100 annual statement credit for inflight purchases while an Atmos status member, 1 status point per $3 of net purchases toward Atmos Rewards status, Free Atmos Rewards points sharing with family and friends, No blackout dates on Hawaiian Airlines and Alaska Airlines awards | 55 days interest free on purchases |
| APR | Not confirmed | 12.9% |
| Currency conversion fee | Not confirmed | 2.5% |
| Rewards rate | 3x Atmos Rewards points on eligible Hawaiian Airlines and Alaska Airlines purchases, 2x on gas, dining and grocery store purchases, 1x on all other purchases | Not confirmed |
| Balance transfer fee | Not confirmed | 1% |
| Card kind | Not confirmed | Credit |
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Key differences
- Kiwibank scores higher overall: 9.2 vs 9.1.
- Founded is lower at Hawaiian Airlines: 1929 vs 2001.
- Balance transfer intro period is higher at Hawaiian Airlines: 15 months vs 6 months.
- Perks: only Hawaiian Airlines offers 2 free checked bags on eligible Hawaiian Airlines and Alaska Airlines operated flights for the primary cardmember, One time 50% off companion discount for one published full main cabin round trip fare, $100 companion discount after each account anniversary, valid 12 months.
- Perks: only Kiwibank offers 55 days interest free on purchases.
Our verdict on each
Hawaiian Airlines
Hawaiian Airlines suits people who already collect Atmos Rewards and fly the carrier, since eligible airline spending earns the highest points rate and the travel perks arrive with an annual fee of $99. For everyday spending, that fee is hard to justify against cards that charge nothing.
Kiwibank
Kiwibank suits New Zealand customers who already bank with the brand and want everyday spending and borrowing on one relationship. The credit card carries an annual fee of NZD 0 and an APR of 12.9%, so it only suits you if you clear balances rather than carry them.
Score breakdown
| Area | Hawaiian Airlines | Kiwibank |
|---|---|---|
| Cost | 8.1 | 8.8HigherAnnual fee NZD 0 and monthly fee NZD 0 sit against a currency conversion fee of 2.5%. |
| Offer | 9.4The offer pairs points rewards with a 15 balance transfer intro period, so the airline angle is not the only draw. | 9.9Higher |
| Trust | 9.8Higher | 9.2 |
Which one suits you
Pick Hawaiian Airlines if trust and balance transfer intro period matter most.
Pick Kiwibank if cost and offer matter most.
How they place
| Ranking | Hawaiian Airlines | Kiwibank |
|---|---|---|
| Credit cards | 161 of 1020 | 130 of 1020 |
| Balance transfer cards | 11 of 35 | 5 of 35 |
Every fact side by side
| Fact | Hawaiian Airlines | Kiwibank |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Rewards | Not confirmed |
| Audience | Not confirmed | Business |
| Legal entity | Bank of Hawaii | Kiwibank Limited |
| Headquarters | United States | New Zealand |
| Founded | 1929Lower | 2001 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | Hawaiian Airlines | Kiwibank | Median |
|---|---|---|---|
| APR | Not confirmed | 12.9%lowest quarter | 19.39% |
| Currency conversion fee | Not confirmed | 2.5%above the median | 1% |
| Balance transfer intro period | 15 monthsat the median | 6 monthslowest quarter | 15 months |
| Balance transfer fee | Not confirmed | 1%lowest quarter | 3% |
Median across 312 listed cards.
Pros and cons
Hawaiian Airlines
Pros
- Eligible Hawaiian Airlines and Alaska Airlines purchases earn Atmos Rewards points at the highest rate, with a lower boost on gas, dining and grocery store spending.
- The issuing bank holds FDIC cert 18053, with the FDIC named as the regulator in the US.
Cons
- An annual fee of $99 sits well above the €0 annual fee median and the $0 of the Varo Believe Secured Credit Card.
- Points are weighted to airline spending, so everyday purchases earn the base rate and the $99 fee leans on travel.
Kiwibank
Pros
- The credit card has an annual fee of NZD 0 and the everyday Visa debit card has a monthly fee of NZD 0
- Purchases get an interest-free period of 55 days interest free on purchases, which suits clearing balances in full each cycle
- Help is offered on phone, email and chat, including phone, email, chat and a help centre
Cons
- The rewards type on the credit card is none, so everyday spending earns nothing back
- The currency conversion fee of 2.5% ranks 192 of 259 brands compared
- A balance transfer charges a fee of 1% and lasts 6, so the saving is short lived
Who each suits
Hawaiian Airlines
Who it suits
- Households already loyal to Hawaiian Airlines and Alaska Airlines who want bags and companion discounts built in.
- Travellers who spend in US dollars abroad, where the card adds no foreign transaction fee.
Who should look elsewhere
- Wise, for spending abroad on £0 a year rather than paying an airline fee.
- The Varo Believe Secured Credit Card, for building secured credit rather than airline points, at $0.
- The Chime Card, for a secured card with $0 and no airline programme attached.
Kiwibank
Who it suits
- Kiwibank account holders in New Zealand who want a Visa card for everyday spending with a monthly fee of NZD 0
- People planning a large purchase and paying it off inside the interest-free period of 55 days interest free on purchases
- Business users of a Visa debit card, since the card is aimed at a business audience
Who should look elsewhere
- Travellers who spend abroad often, since the currency conversion fee is 2.5%
- Shoppers who want cashback, since the rewards type is none
- Borrowers carrying a balance past the 6 intro period, who pay 12.9% and might prefer the Varo Believe Secured Credit Card
Current offers
Hawaiian Airlines
Current offer
Bonus
Up to 70,000 bonus Atmos Rewards points on the Hawaiian Airlines Bank of Hawaii World Elite Mastercard: 60,000 points after $1,000 spend in the first 90 days plus 10,000 points after $2,000 total spend in the first 180 days
Offer subject to credit approval; new cardmembers only, not available to applicants who currently have or previously had an account in this program; $99 annual fee
Source, checked September 26, 2026
First period offer
0% introductory APR on balance transfers: 0% APR for the first 15 billing cycles on balance transfers posted within 45 days of account opening
Does not apply to purchases or cash advances; balance transfer fee 5% (min. $5); variable APR 19.49% to 29.49% afterwards
Source, checked September 26, 2026
Bonus
50% bonus on Atmos Rewards points for Hawaii resident cardmembers: 50% extra points per $1 spent, up to 5,000 bonus points
Hawaii residents only; promotional period runs from the February 2026 statement through December 31, 2026; account must be open, active and in good standing
Source, checked September 26, 2026
Discount code
Companion travel discounts on the Hawaiian Airlines World Elite Mastercard: $100 off one companion Main Cabin round-trip ticket at each account anniversary, plus a one-time 50% off companion discount
Valid on roundtrip Main Cabin travel between Hawaii and North American destinations booked through the Atmos Rewards account; not valid on neighbor island, international, codeshare or multi-city travel; primary cardmember must be one of the passengers
Source, checked September 26, 2026
Country by country
| Country | Hawaiian Airlines | Kiwibank |
|---|---|---|
| New Zealand | No | Yes |
| United States | Yes | No |
Questions about each
Hawaiian Airlines
What is the annual fee on the Hawaiian Airlines card?+
The card charges an annual fee of $99. That sits well above the €0 annual fee median across the site, and above the $0 on the Varo Believe Secured Credit Card. The fee is the price of the travel perks listed in 2 free checked bags on eligible Hawaiian Airlines and Alaska Airlines operated flights for the primary cardmember, One time 50% off companion discount for one published full main cabin round trip fare and $100 companion discount after each account anniversary, valid 12 months.
Who issues the card, and which regulator is named?+
The issuer is Bank of Hawaii, a bank based in the United States that holds FDIC cert 18053. The FDIC is the regulator listed for that bank, which is the licensed party behind the card rather than the airline. The airline lends its name, its routes and its points programme, while the bank runs the account.
Kiwibank
What does it cost to keep a Kiwibank card?+
The credit card has an annual fee of NZD 0 and the everyday Visa debit card has a monthly fee of NZD 0, so holding either costs nothing on its own. Borrowing on the credit card is what costs money, at an APR of 12.9% on any balance you carry.
What is the interest-free period on purchases?+
Purchases get an interest-free period of 55 days interest free on purchases, which is one of the longer runs on the market and suits people who clear the balance each cycle. Any unpaid amount after that period is charged at the standard rate of 12.9%.
Other options to compare
Hawaiian Airlines
Kiwibank