Business First Visa

A cost-effective card that helps you manage business expenses.

Business First Visa

  • Stretch your cash flow with up to 40 days interest free
  • Have as many cardholders as you need for effective expense management
  • Indemnity insurance helps protect against the misuse of cards by employees
  • Individual and consolidated statements make it easy to monitor spend

More detail

A simple way to manage business expenses

Business First Visa Control Plan is a cost-effective credit card that makes it easy for employees to pay work-related expenses, while also making it easier to monitor spending.

Up to 40 days interest free

Your cash flow will benefit from up to 40 days interest free as the account balance of each card is paid in full each month by  the due date. Just one direct debit entry per month from a nominated bank account is required to settle all outstanding balances.

As many cards as you need

For a low quarterly fee per card, you can nominate as many cardholders as your business needs. There are a number of ways you can set up credit limits  - an individual limit for each card, a limit that’s shared across all cards or the same limit for everyone. All cards are personalised with both the cardholder’s name and the business name.

Individual and consolidated statements

Monthly statements are provided to help to simplify expense control. Individual cardholder statements itemise all transactions and show both foreign currency and New Zealand dollar amounts for overseas transactions1. A consolidated business statement summarises cardholder activity, so that it’s easy to monitor spend and reconcile expenses.

Business First Visa Indemnity Insurance

Included for no extra cost, this insurance2 helps to protect your business against misuse of a BNZ Business First Visa card by an employee or ex-employee. Cover limits are $20,000 per cardholder and $150,000 per business.

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.

 Rates and fees
Interest rates
Purchase interest rate View rates here
Cash advance interest rate View rates here
Interest free days
Interest free days Up to 40 days interest free
Card charges
Account fee $6.25 per card per quarter
Joint/additional account fee $6.25 per card per quarter
Miscellaneous charges
Foreign currency service fee4 2.25% of the NZ dollar value of each foreign currency purchase, cash advance or returned purchase for Visa
Late payment fee Nil
Over limit fee Nil
Replacement card5 $10.00
Statement copy $5.00
Voucher copy $25.00
Cash advance fees6
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. Foreign currency service fee applies.
  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. 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.
  5. A Card Dispatch fee may be charged if applicable.
  6. 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.