Kiwibank Platinum by fees not by service?

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Forums › Finance and wealth management › Kiwibank Platinum by fees not by service?

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Batman

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#1655832 21-Oct-2016 15:57

jonathan18:

I have one of these cards but can't answer as I'm not sure exactly what your question is! Can you re-phrase it?

Edit: if you're referring to how long it takes to answer and deal with a query via the 0800 number - can't say I've ever found this a problem, and have typically had calls answered quickly. They do have a different number (0800 521 521 for credit cards; different for general queries, which differs again from home loans etc). So still not sure if I know what you're getting at...

Edit 2: ah, you're saying that a benefit of having a BNZ Platinum card is you get priority in the phone queue! Nope, no such thing with Kiwibank but, as above, I've never experienced any issue - and would certainly never decide to go with one bank or another based on this...

The only issue I've had is that they hadn't correctly loaded the fee-free year into the system, so they charged me six months after getting the cards; this was soon sorted (even without a priority queue!).

Well if I keep using the card and it keeps wanting me to call them (not they call me) and I keep wasting hours per purchase ... maybe I should stop buying things :) That'll fix it :)

richms

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#1655864 21-Oct-2016 16:27

So is it just declining when you use it? I have never had that happen with my ASB one. How do you know to contact them?

I have had that crap verified by visa thing I refuse do to because it violates all security best practice come up, but then I just do it again with the gem visa and its all good, or their much better verified by visa process happens where they SMS me a code. ASB's stupidity loses them the merchant fees on those sales.

Richard rich.ms

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#1655998 21-Oct-2016 22:48

richms:

So is it just declining when you use it? I have never had that happen with my ASB one. How do you know to contact them?

I have had that crap verified by visa thing I refuse do to because it violates all security best practice come up, but then I just do it again with the gem visa and its all good, or their much better verified by visa process happens where they SMS me a code. ASB's stupidity loses them the merchant fees on those sales.

Online purchase, they send me an email asking me respond with the code that I get from the bank.

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#1656003 21-Oct-2016 23:06

Never had an email asking for something for an online purchase. But I try to not use the card online at places that self process, prefering to use paypal because so many places get hacked etc.

Since not using random sites with the form on their own server I have not had to get a new card issued, so I think it works.

Richard rich.ms

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#1656114 22-Oct-2016 10:16

Wheelbarrow01:

I have a platinum card with Kiwibank and can't say I have ever had any problems getting hold of them. My only issue was with the 'free' travel insurance which provides rental car excess cover, but only when you pay for the car rental in full before you leave NZ (impossible if you are a Hertz Gold member), and only if you take the highest damage waiver possible. For most hire companies this knocks the excess down to zero, so negates the need for the travel insurance excess cover anyway! It looks generous on paper though I guess...

I had to make two claims against the Kiwibank Travel Policy last year

Delayed Luggage
Rental Car Excess

Both were paid out and fairly painless

Main issue at the moment is around card replacements. They can't re-issue a card with the same expiry date which means you have to update all your regular payments which is frustrating. My chip just failed (ICC Failure) so I need a new card even though my current one is 2 months old.

Steve

Generally known online as OpenMedia, now working for Red Hat APAC as a Technology Evangelist and Portfolio Architect. Still playing with MythTV and digital media on the side.

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#1656116 22-Oct-2016 10:24

With rental car excess I don't suppose it was prepaid? Did you take up excess reduction when signing up the rental car or declined all excess reduction? Overseas or local (is local even covered?)?

Thanks

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openmedia

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#1656121 22-Oct-2016 11:23

joker97:

With rental car excess I don't suppose it was prepaid? Did you take up excess reduction when signing up the rental car or declined all excess reduction? Overseas or local (is local even covered?)?

Thanks

Car rental was a last minute thing in the UK so paid on pickup. Didn't take all of the insurance add ons as it would have trippled the hire cost. Even with the excess on the claim we paid less than if we'd paid for all the additional insurance.

Frustrating thing is claim was for small scratches which were really hard to notice.

Generally known online as OpenMedia, now working for Red Hat APAC as a Technology Evangelist and Portfolio Architect. Still playing with MythTV and digital media on the side.

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