Business First Lite Visa

Our low-interest business credit card.

Business First Visa

  • Low debit interest rate that helps keep costs down
  • Flexible payment options to help with cash flow
  • Indemnity insurance helps protect against the misuse of cards by employees
  • World-leading edge technology features help minimise credit card fraud

More detail

Light on your budget

Business First Lite Visa has one of the lowest advertised business credit card interest rates in the market, helping you to be better off. And some more good news - the account fee is just $5 per card per month1.

Helps with expense management and cash flow

Business First Lite Visa is a cost-effective credit card that helps you manage your business finances. It also helps with cash flow, because you can decide how much you're going to pay each month. You can choose to pay as little as 2% or $25 of your outstanding balance (plus any over-limit or overdue amount), whichever is greater.

Up to 55 days interest free

If you repay your credit card in full, and by the payment due date each month, you'll pay no interest on your purchases. With BNZ credit cards, this means you can get up to 55 days interest free.

Business First Visa Indemnity Insurance

Included at no extra cost, this insurance2 helps protect your business against misuse of a BNZ Business First Lite Visa card by an employee or ex-employee.

Protection from credit card fraud

Our credit cards come with security features to help protect your business from credit card fraud when cardholders make purchases online and over the counter. We also have world-leading edge technology, LEN Secure, that updates credit card information with every balance enquiry, mini statement, or cash advance3 at a BNZ ATM. This helps protect cards from counterfeit fraud.

We'll make it worth your while to switch

Transfer your balance from another bank's business credit card to a Business First Lite Visa card and you'll get a special interest rate on the balance transferred.4

 Rates and fees1
Interest rates
Purchase interest rate View rates here
Cash advance interest rate View rates here
Interest free days
Interest free days Up to 55 days interest free
Card charges
Account fee $5.00 per card per month
Joint/additional account fee $5.00 per card per month
Miscellaneous charges
Foreign currency service fee5 2.25% of the NZ dollar value of each foreign currency purchase, cash advance or returned purchase for Visa
Late payment fee $15.00
Over limit fee $20 per statement (on each statement until the account is back within its limit)
Replacement card6 $10.00
Statement copy $5.00
Voucher copy $25.00
Cash advance fees7
Electronic via NZ BNZ ATM, Telephone Banking or Internet Banking $1.00
Electronic via NZ non-BNZ ATM $2.00
Teller assisted $5.00
All overseas transactions $7.50

Need some help?

Enquire onlineFind a store 0800 269 763

Small print

  1. Fees subject to change.
  2. BNZ Business First™ Visa Indemnity Insurance is underwritten by Zurich Australian Insurance Limited. Cover is subject to the terms, conditions and exclusions contained in the policy.
  3. Cash advance fees apply.
  4. Rate subject to change.  There are no interest free days or loyalty points on balances transfers.  Balance transfers are subject to approval, and terms and conditions.  Only balances from non-BNZ New Zealand issued Visa, MasterCard, American Express, Diners, GE CreditLine, The Warehouse Financial Services Credit and Store Cards, Fisher & Paykel Finance issued Q cards and Farmers Cards are eligible for this special rate.  After six months, any balance transfer amount still unpaid will revert to the standard annual purchase interest rate.
  5. The converted amount of your foreign currency transaction and the Foreign Currency Service Fee are both included in the New Zealand dollar amount and in the rate of exchange shown on your statement for each transaction.
  6. A Card Dispatch fee may be charged if applicable.
  7. Debit Interest is charged on all Cash Advances from date of the transaction. For cash advances in foreign currencies, a Foreign Currency Service Fee will also apply.

Our lending criteria and account fees apply.

Account opening criteria apply. Full details, terms and conditions and disclosure statement may also be obtained free of charge from a BNZ store.