Apply for a Onecard Visa

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


  • Earn Onecard points wherever Visa is accepted1
  • Get double Onecard points when you shop at Countdown2
  • Earn AA Smartfuel discounts at Countdown3
  • Up to 55 days interest free on all purchases4
  • No annual fee for the first year5
  • Interest rate for purchases 19.99% p.a6
  • Free delivery or Pick up every time you spend $200 or more using your Onecard Visa in a single transaction when you shop online at
  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. For full terms and conditions see
  3. In order to redeem your AA Smartfuel discounts earned by shopping at Countdown, you will need either a Onecard/AA Smartfuel card or a new AA Membership card. For full AA Smartfuel terms and conditions see
  4. The full closing balance shown in your monthly statement must be paid in full by the due date each month.
  5. The $65 annual fee is waived for the first year but charged thereafter.
  6. Interest rate for cash advances 22.99% p.a.
  7. Free delivery or Pick up is available 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. 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