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.

If you don’t have any of the documents listed below, you won’t be able to complete the application form.

We accept the following types of Identification Document (ID):

  • New Zealand Passport
  • New Zealand Driver Licence
  • Overseas Passport

Your ID must be current and valid. If you don’t have at least one these types of ID, please phone us on 0800 801 808 for help.

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 can apply for a credit limit between $1,500 and $15,000.

You’ll have to provide us with information about your income and your regular monthly expenses, so we can assess your current financial position.
When you apply for a new credit card, the maximum credit limit we can offer you is $15,000. Let us know when you apply if you would like a credit limit of more than $15,000 and we’ll assess your application. As a responsible lender we need to make sure that by having one of our credit cards you’re not taking on debt that you may not be able to repay.
No, you can’t include your partner’s income. If your partner is the main earner, it’s best for them to apply for the credit card instead.

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 WM Connect 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.

 

No, you can’t save your application form. Before you start applying for a credit card, it’s best to make sure you have all the necessary information you’ll need nearby (see the question above).
Unfortunately, the name on the card needs to match the legal name on your account.
If your application is conditionally approved, it means that we’ve approved you for a credit card but can’t complete your application because we can’t verify your ID automatically. So, we’ll need to see or receive a document that shows your home address or receive a certified copy of your Identification Document (ID) or both before we can complete your application.

You will receive an email from us telling you what you need to complete your application and how to do this or you can call us on 0800 801 808.

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 both of the following:

1. 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

2. Send us a certified Identification Document (ID). These are the documents we’ll accept:

  • NZ Passport
  • NZ Driver License
  • Overseas Passport

If you don’t have one of these types of ID, please call us on 0800 801 808 for help.

 

If your application for a credit card was declined and you want to apply again, you’re welcome to do so after six months and we’ll assess your application then.
No, your ID must be current.

If you don’t have a current form of ID, please call us on 0800 801 808 for help.
If we need to speak with you urgently but can’t get hold of you, we’ll phone your friend or relative to ask how we can get in touch with you. Rest assured that we won’t talk about your account with your friend or relative.
As a responsible lender, we need to know what your income is and what your regular expenses are to make sure you can make repayments on your credit card for the credit limit you have requested without suffering undue hardship. If we do not think you can make repayments, or we think the credit limit requested is too high for you, we may decline your application or propose a lower credit limit.
There are various reasons why any application for a credit card may be declined. It could be because of your credit history, income, high expenses, or other debts you may have.

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 your ID so we can verify who you are (which the law requires us to do) and to prevent people from obtaining a credit card fraudulently.
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 WM Connect to view. We won’t send your actual statement via email.
List any persons under 18 years of age who you support financially.

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
  • Approved for a condition that we still need to verify your identification Document and/or your home address; 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 WM Connect.

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 WM Connect 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.