BNZ customers
Log in to Internet Banking or the BNZ app and select Apply now from the menu.
If you don’t have access to Internet Banking, find out how to register.
How to apply for a BNZ credit card
Most BNZ customers can apply for a credit card online through Internet Banking or the BNZ app.^
If you’re not a customer, you’ll have to open a transactional account with us before you can apply.
{"type":"half","heading":"How to apply for a BNZ credit card","bodyText":"<p>Most BNZ customers can apply for a credit card online through Internet Banking or the BNZ app.<term reference=\"CC:Eligibility for applying online \"><\/term>&nbsp;<\/p>\n<p>If you\u2019re not a customer, you\u2019ll have to open a transactional account with us before you can apply.&nbsp;<\/p>\n<p><\/p>\n<p><\/p>","actionLinkHref":null,"actionLinkLabel":null,"supportingLinkHref":null,"supportingLinkLabel":null,"theme":"boxed","heroImage":{"height":460,"position":{"x":"50%","y":"50%"},"title":"credit cards apply page header apply for card woman on laptop","url":"\/assets\/bnz\/personal-banking\/credit-cards\/images\/credit-cards-apply-page-header-apply-for-card-woman-on-laptop.jpg?8109283b9b20582bb67d3bd99530d9b7ae62fbe9","width":465},"heroImage2x":{"height":920,"position":{"x":"50%","y":"50%"},"title":"credit cards apply page header apply for card woman on laptop 2x","url":"\/assets\/bnz\/personal-banking\/credit-cards\/images\/credit-cards-apply-page-header-apply-for-card-woman-on-laptop-2x.jpg?3640aea74fa60b2cf289c5af934779b0c3bb3800","width":930},"smallHeroImage":{"height":300,"position":{"x":"50%","y":"50%"},"title":"credit cards apply page header apply for card woman on laptop mobile","url":"\/assets\/bnz\/personal-banking\/credit-cards\/images\/credit-cards-apply-page-header-apply-for-card-woman-on-laptop-mobile.jpg?ae0ebe9859835a854977900e42a7411e1ae4a658","width":563},"smallHeroImage2x":{"height":600,"position":{"x":"50%","y":"50%"},"title":"credit cards apply page header apply for card woman on laptop mobile 2x","url":"\/assets\/bnz\/personal-banking\/credit-cards\/images\/credit-cards-apply-page-header-apply-for-card-woman-on-laptop-mobile-2x.jpg?cfd107f35b7c5f185b57af4cb6137462a5a0bc9a","width":1125}}
Ways to apply for a BNZ credit card
Log in to Internet Banking
Not a BNZ customer
- You’ll need to open a transactional account with us first.
- Once you’ve opened an account, log in to Internet Banking or the BNZ app and select Apply now from the menu.
Joint accounts or non-residents
Call us on 0800 275 269 or visit a BNZ Branch if you:
- want to apply for a joint credit card (we’ll need to be in touch with both of you)
- are a non-resident living in NZ.
What you need to apply for a credit card
Check if you’re eligible
To apply for a BNZ credit card, you’ll need to meet our eligibility criteria, including being 18 years or older.
Get your information ready
You’ll need to gather details about your financial situation, for example:
- income
- value of your assets
- regular expenses
- debts.
Understand what we assess
When we review your application, we look at things like your credit score and debt. Understanding these, and following our tips, may improve your chances of approval.
Choose a BNZ credit card
You can compare our credit cards side by side to find the one that’s right for you, by comparing features, benefits, rates, and fees.
BNZ Lite Visa
BNZ Lite Visa is a low rate credit card for customers who want to pay less interest and keep fees low.
BNZ Advantage Visa Classic
Earn BNZ Points on your everyday spending,^ with our Classic rewards card.
BNZ Advantage Visa Platinum
BNZ Advantage Visa Platinum is a rewards credit card that earns BNZ Points^ on eligible spending and includes travel benefits.
Credit card help and support
If your card is lost or stolen call us on 0800 735 901, or call us on +64 4 473 5901 from overseas (international toll charges apply).
BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Rates and fees subject to change.
Read our full credit card terms and conditions
Was this page helpful?