Apply for a Onecard Visa


  • Earn Onecard reward points wherever Visa is accepted1
  • Get double reward points when you shop at Countdown2
  • Up to 55 days interest free on all purchases3
  • No annual fee for the first year4
  • Interest rate for purchases 19.99% p.a.5
  • Free delivery or click and collect every time you spend $200 or more using your Onecard Visa in a single transaction at

Who can apply?

We recommend that the main household income earner applies as this is a credit facility. Before you complete your application, please ensure you can answer YES to all of the following:

  1. Are you at least 18 years of age?
  2. Are you a permanent resident of New Zealand?
  3. Is your household income $20,000 or above?

What information do I need to complete the application?

  • Driver licence (if you have one)
  • Email address
  • Employer’s address and contact number
  • Details of your income and expenses

  1. Excludes cash and cash equivalent transactions (i.e. transactions involving the issue of substitutes for cash), Shopper’s Protection consumer credit insurance premiums and business purchases.
  2. Reward points from bonus point promotions will not be doubled.
  3. The full closing balance shown in your monthly statement must be paid in full by the due date each month.
  4. The $65 annual fee is waived for the first year but charged thereafter.
  5. Interest rate for cash advances 22.99% p.a.
  6. Free delivery or click & collect is available for Onecard Visa customers only. Minimum of $200 per order applies. Free delivery is only available in selected full service areas, please visit to see if you live in a full service area. Chatham and Great Barrier Islands are full service areas but are excluded from this promotion. Your free delivery will be activated in the next working day after you've registered your online shopping account. For full Countdown Online Shopping terms and conditions visit
  7. To be eligible to receive AA Smartfuel discounts at Countdown, you will need to pick up a new Onecard, add it to your Onecard Visa account at and choose AA Smartfuel discounts as your Reward Currency. Once you have done that, continue to swipe and pay with your Onecard Visa in-store and use your new Onecard to redeem your AA Smartfuel discounts at AA Smartfuel partners BP or Caltex.  Please make sure you read the Onecard terms and conditions first, which can be found here.