How to Apply for a Purple Visa Card
To apply for a credit card, you must be:
- 18 years or older;
- a New Zealand citizen or permanent resident living in New Zealand; and
- earning or receiving a regular income.
Applying for a credit card is easy. You can apply by clicking here or you can call us on 0800 801 808 and one of our Customer Experience Team members will be happy to talk you through the application process.
When applying through the above methods, please have the following things handy:
- A current and valid Passport or New Zealand Driver Licence; and
- Details of your income and regular expenses.
Unfortunately you will not be able to complete our online application form, however if you have a NZ Firearms Licence or a Kiwi Access Card then feel free to complete an application in-person with one of our participating retailers.
Yes, if you’d like to cancel your application after you have submitted it to us, you can:
- call us on 0800 801 808;
- send us an email; or
- send us a letter to: Purple Visa Card, PO BOX 1204, Invercargill 9840 to arrange this.
You’ll have to provide us with information about your income and your regular monthly expenses, so we can assess your current financial position.
No, we only accept up to three sources of income. Most of your income should come from your primary source. Your source of income must be declared for tax purposes and can be any one of the following:
- Salary
- Wage
- Commission
- Rental property
- Interest / Dividends
- Superannuation
- Benefits
- Profit (If you are self-employed)
- Child support
Please remember that any income you declare on your application must be earned or received by you (so not your partner or spouse’s income).
No. If you want your partner or spouse to have a credit card that’s linked to your Card Account, you can apply for an additional card when you apply for your own credit card. You’ll both share the same credit limit that will be approved for your card.
You can also apply for an additional card by logging into eMoney and completing the online form or by calling us on 0800 801 808.
Once we’ve received your request for an additional card, we’ll contact the Additional Cardholder to:
- Confirm if they would like to receive a credit card that’s linked to your Card Account;
- Request additional personal information to complete the application;
- Request identification documents to verify their identity, and
- Provide them with a copy of the Terms and Conditions and Rates and Fees associated with the credit card.
Please note, we’ll only contact the Additional Cardholder once we’ve processed and approved your application.
It should take you about 10 minutes to fill in the online application form. It might take you a little longer if you apply in-store.
Here’s what you’ll need to get started:
- A current and valid Passport or New Zealand Driver Licence – so we can verify who you are; and
- Details of your income and regular expenses.
If your application is conditionally approved, it means we need additional information from you before we finalise your application.
You will receive an email from us telling you what you need to complete your application and how to do this.
You will receive an email telling you what you need to complete your application and how to do this. In most circumstances, you’ll need to do one or all of the following:
1. Send us a document that verifies your income and/or expenses:
- A bank statement from a New Zealand bank
2. Send us a document that shows your home address. These are the types of documents we’ll accept:
- A bill from your water, power, gas, telephone, mobile or internet service provider
- A council rates notice or valuation notice
- A bank statement from a New Zealand bank
- Any insurance policy
- A letter from the Electoral Office
- Any documentation from a Government agency that includes a unique reference ID
- A letter from a Solicitor confirming your recent house purchase
- A tenancy agreement
3. Send us a certified Identification Document (ID). These are the documents we’ll accept:
- NZ Passport
- NZ Driver License
- Overseas Passport
No, your ID must be current to complete our on-line application form.
As a responsible lender we need to make sure that you can afford to make repayments on your credit card without suffering undue hardship.
If your application is unsuccessful, you’re welcome to apply again after six months and we’ll assess your application then.
We need to know your email address because it’s the best way for us to get in touch about your application and/or decision, and the ongoing management of your Card Account.
Also, if you opt to receive your monthly statements online (instead of receiving them in the post), we’ll use your email address to send you a notification to let you know that your statement is now available in eMoney to view. We won’t send your actual statement via email.
We accept documents certified by any one of the following:
- Member of the NZ Police
- Justice of Peace
- NZ Lawyer
- NZ Chartered Accountant
- Court Official
When you apply for a credit card, you’ll get one of the following responses within 60 seconds:
- Approved for a credit card; or
- Conditionally approved but we still need additional information before we can finalise your application; or
- Referred to the Customer Experience Team for your application to be assessed further; or
- Declined
You can add a family member as an Additional Cardholder on your Card Account, as long as they’re at least 18 years or older.
They’ll be issued with their own credit card. The card will give them access to your Card Account, so they’ll be able to use the card to make transactions (which you’ll pay for). You and the Additional Cardholder will share the same credit limit that has been approved for your card.
Additional Cardholders can ask us for information about the Card Account, if the information is about their Transactions, or Charges that relate to their Transactions. They can also ask us what the account balance is.
Additional Cardholders can also set and update their PIN and cancel their card at any time. If an Additional Cardholder needs a replacement card because it has been lost or damaged, they should advise us directly so that we can try to prevent any unauthorised transactions. We will reissue a card for the Additional Cardholder unless their card is cancelled by you.
We won’t give Additional Cardholders any personal information about you or other Additional Cardholders, beyond what can be seen on eMoney.
You can add a family member as an Additional Cardholder on your account, as long as they’re at least 18 years or older.
If you’d like to have an Additional Cardholder, log into eMoney and complete the online form or call us on 0800 801 808.
Once we’ve received your request for an Additional Cardholder, we’ll contact the proposed Additional Cardholder to:
- Confirm that they would like to receive a credit card that’s linked to your account;
- Request additional personal information to complete the application;
- Request identification documents to verify their identity, and
- Provide them with a copy of the Credit Card Terms and Conditions and Rates and Fees associated with the Credit Card.
No, there is no fee to have an Additional Cardholder on your account.
You and your Additional Cardholder will share the same credit limit that has been approved for your card.
