Membership & rules
Stick with it. Get the yes.
Save all year, keep your word, and your birthday can unlock finance — even when the banks say no. Here's the deal.
Membership & rules
Save all year, keep your word, and your birthday can unlock finance — even when the banks say no. Here's the deal.
It holds your savings and keeps your standing with the club. Stay on track, and your birthday's the day the answer is yes.
So you know exactly what's what: the money on your birthday comes from one of two clearly separate places.
This is your own money — set aside each month, held for your birthday.
This is extra money on top of your savings — a privilege you unlock by keeping your word.
The two work together. Saving is the membership — open to everyone, your money back on your birthday. Finance is the privilege that stacks on top — unlocked only when you've kept your membership clean all year.
Join and save — no credit check. The birthday finance is what you earn by sticking with it.
Plain English. No fine-print games.
Twelve months of continuous membership before your birthday. Loyalty is the price of the yes.
Your membership is drafted each month. Life happens — you're allowed to skip, but a skip carries a penalty.
Settle any penalties — anytime — to stay or get back in good standing and keep finance on the table.
You can only request finance in your birthday window. Not before, not any other time of year.
Honest details, verified ID, an active membership. Standard stuff that keeps everyone safe.
Leave penalties unpaid into your birthday and finance is off the table that year — you simply receive your savings.
No lock-outs for life. Miss one, pick a path — and buy your way back anytime.
Missed a payment? That's fine. Leave it, and you keep saving — but you forfeit eligibility for birthday finance until it's settled.
Accept and pay the penalty fee for the missed payment, and your good standing — and your finance eligibility — stays intact.
Ask us to total your outstanding penalties and settle them whenever you like. Clear the balance and you're eligible again.
Your full savings balance issues to you as a digital Visa — minus one flat $11.11 fee. Yours to spend, no questions. Finance just isn't on the table this year.
Beyond your savings, you may be eligible — subject to approval and credit criteria — for birthday finance from $2,000 up to $100,000 through our licensed lending partner. The yes the rest of the world wouldn't give you.
Sign up, pick your amount, done.
Da Birthday Club membership is $11.11 per month (NZD). Your savings are held in a safeguarded account with our licensed payments partner, separately from our own funds, and are not lent out or invested. On your birthday your balance issues to you as a digital Visa card, less one flat $11.11 fee — no interest, ever. You may cancel anytime; a fair cancellation fee may apply if you cancel before your birthday.
You may miss or skip a monthly membership payment. A penalty fee applies to each missed payment. You can either leave penalties unpaid — in which case you forfeit eligibility for birthday finance — or settle penalties at any time to restore eligibility. Penalty amounts are disclosed in your account and in your membership agreement.
Birthday finance ranges from $2,000 up to $100,000, is available only to members in good standing, only within your birthday window, and is always subject to application, approval and responsible-lending credit criteria under New Zealand law. Finance is provided by our licensed lending partner, not by Da Birthday Club. Fees and terms are set by the lender and disclosed before you accept any offer. Approval is never guaranteed, and meeting the membership rules does not by itself guarantee a loan.
Da Birthday Club is a New Zealand company operating on regulated payment rails. The Visa card is issued by our licensed card-issuing partner and is subject to the issuer's cardholder terms. This page is a summary only — full terms are in your membership agreement. It is not financial advice.
No. Anyone 18+ and resident in New Zealand can join and save — there's no credit check to become a member. A credit check only applies if you later choose to apply for birthday finance.
You're allowed to. A penalty fee applies to the missed payment. You can leave it unpaid and simply forfeit finance eligibility, or pay the penalty to keep your good standing. You can settle outstanding penalties at any time to become eligible again.
Keep your membership active and continuous for 12 months before your birthday, with all payments on time or all penalties settled. Then, in your birthday window, you can apply — subject to approval and credit criteria.
You still get every dollar you saved, issued as a digital Visa on your birthday. You just won't be able to access finance that year unless your penalties are settled.
Anywhere Visa is accepted — in store, online, through Apple Wallet or Google Pay.
Yes, from within the app. A fair cancellation fee may apply if you cancel before your birthday — that lock-in is what makes the savings discipline work.