The Warehouse MasterCard® and Red Card Document Centre

Credit Account Contact Details

Our team is here to help you. Here’s how you can contact us

General enquiries

Phone us 0800 801 808


Monday to Friday: 8:30am - 6pm
Saturday: 9am - 4pm
Sunday and Public holidays: Closed

Report a lost card

Phone us 0800 801 803

Phone us +64 9 212 5233 if calling from overseas

24 hours 7 days a week

Complaints and feedback

Phone us 0800 801 808

Our postal address

Write to us SBS Money Limited, PO Box 1204, Invercargill 9840

Insurance and Financial Services Ombudsman Scheme
PO Box 10-845
Wellington 6143

Contact_icons_phone.png Freephone: 0800 888 202
Contact_icons_phone.png Phone: +64 4 499 7612 (overseas)
Contact_icon_email.png Email:
Direct Debit

Direct Debit – download and print our Direct Debit form here and return it to us

    How to Pay

    You can make repayments in any of the following ways:

    • Internet banking – if you're registered for internet banking with your bank, you can set us up as a payee and make one-off payment to us each month to repay all or part of your credit card balance
    • Automatic payment – if you’re registered for internet banking with your bank, you can set up an ongoing automatic payment to us of a specific amount at regular intervals (for example, weekly or monthly)
    • Over the counter payment – If you would like to pay in person, just take your Warehouse Money statement to your nearest NZ Post Shop. $1.50 fee applies.

    If you are setting up a Bill Payee for internet and automatic payments, your bank should have your card type loaded as Warehouse Money

    You’ll need to enter your details so we can match your payment to your card.

    Enter the following sets of information:

     Particulars: This is your account number
     Code: This is your last name and initials
     Reference: This is your 9 digit customer number

    Electronic payments are preferred but if you can’t pay in one of these ways, you can call us on 0800 801 808 to talk about other ways to pay.

    We encourage you to pay the balance in full each month to avoid interest charges. If you make only the minimum monthly payment which is the greater of $20 or 3% of your closing balance, it will take longer to pay off your balance.

    Credit Account Terms and Conditions

    Terms and Conditions – download and print our full Terms and Conditions

    Credit Account Rates and Fees

    Rates and Fees – download and print our Rates and Fees

    SmartGuard Credit Card Repayment Insurance

    SmartGuard policy document

    Download and print our policy document.

    SmartGuard is underwritten by Sovereign Assurance Company Limited (Sovereign). Sovereign has an A+ (Superior) financial strength rating from A.M. Best. A.M. Best is an approved insurance rating here.

    Cancelling your policy

    If this insurance is no longer right for you, you can cancel it at any time by notifying us. Once SmartGuard is cancelled, you will not be covered for any claimable events that occur after You can cancel your policy at any time using any one of these methods.

    Phone us 0800 801 808

    Write to us SBS Money Limited, PO Box 1204, Invercargill 9840

    General enquiries and claims

    If you need to make a claim, you can download and complete the Credit Card Insurance claim form available here. The instructions on how to complete the form and also where to send the competed form. You can contact AIA New Zealand Limited via phone or email using the details below.

    Phone us 0800 500 108


    Monday to Friday 8.30am – 5pm