Updated September 28, 2026 · DebitCue Editorial Team
Kiwibank vs Virgin Atlantic Reward Credit Card
Kiwibank
Virgin Atlantic Reward Credit Card
Higher score in this comparison
What sets them apart
| 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).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
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 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.
Virgin Atlantic Reward Credit Card
The Virgin Atlantic Reward Credit Card is a credit card from Nationwide Building Society, trading as Virgin Money, and it suits anyone clearing an existing balance while earning cashback. The interest free transfer window runs 21 with a fee of 2.95%, and support runs through chat, help centre and phone.
Score breakdown
| Area | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Cost | 8.8Annual fee NZD 0 and monthly fee NZD 0 sit against a currency conversion fee of 2.5%. | 9.1HigherPurchases run at 27.9% against a typical 20.97% on the site, while £0 keeps the account fee at nothing. |
| Offer | 9.9Higher | 9.4Rewards are cashback, with a money transfer option and an interest free period on purchases. |
| Trust | 9.2 | Not confirmed |
How they place
| Ranking | Kiwibank | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Debit cards | 137 of 1336 | 114 of 1336 |
| Credit cards | 130 of 1020 | 112 of 1020 |
| Balance transfer cards | 5 of 35 | 4 of 35 |
Pick Kiwibank if, pick Virgin Atlantic Reward Credit Card if
Pick Kiwibank if offer matter most.
Pick Virgin Atlantic Reward Credit Card if cost and currency conversion fee matter most.
What we checked
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 |
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 387 listed cards.
Pros and cons
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
Virgin Atlantic Reward Credit Card
Pros
- The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option put an interest free period on purchases alongside the balance transfer offer, so everyday spending can run interest free too while an old balance is being cleared.
- Help runs through chat, help centre and phone, with chat with Redi in the card app day and night for a quick answer on a charge or a transfer.
- The issuer is Nationwide Building Society (trading as Virgin Money), regulated in the UK by the Prudential Regulation Authority under reference 106078.
Cons
- Purchases run at 27.9%, above the typical 20.97% across the site, so a balance carried beyond the interest free window is costly to keep.
- It sits at position 105 of 133 brands on APR, which leaves less expensive rates sitting elsewhere in the comparison.
- Transfers cost 2.95% each, and 21 is the maximum interest free window offered rather than a fixed run for every applicant.
Who each suits
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
Virgin Atlantic Reward Credit Card
Who it suits
- Anyone clearing a balance on an existing card and willing to pay 2.95% for 21 of interest free running.
- Existing Virgin Money customers who already use the app, since the listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option are built around in app chat and cashback offers.
- Cashback shoppers who want an interest free period on purchases as well as on transfers, with both covered in the Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option.
Who should look elsewhere
- Not for anyone after the lowest possible rate: the Varo Believe Secured Credit Card is listed at 0%, though it works as a secured card.
- Not for pure everyday spending from an account balance, where the Starling Personal Account Debit Card at 15% is the simpler arrangement.
- Not for paying interest month to month, since the AXI Card Tarjeta y Credito lists 21.59% against 27.9% here.
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 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%.
Virgin Atlantic Reward Credit Card
What does it cost to hold and to borrow?+
The monthly fee is £0, so holding the account adds nothing in account fees. Borrowing is the expensive part: purchases run at 27.9%, and each balance transfer costs 2.95%. The transfer figure is the one to weigh against a card that charges nothing to move a balance.
How long is the interest free period on a balance transfer?+
The interest free window on balance transfers runs 21, and moving a balance costs 2.95%. Once that window ends the purchase rate of 27.9% is what applies, so the card works when the balance is cleared inside the period. Treat the window as the maximum rather than a fixed run.
Other options to compare
Other matchups
Kiwibank
Virgin Atlantic Reward Credit Card