Lite Visa

A low purchase interest rate.

BNZ Lite Visa

  • Special low balance transfer rate for six months1
  • Up to 55 days interest free
  • World-leading card security

More detail

Light on your budget

BNZ Lite Visa has one of the lowest purchase interest rates in the market which helps keep your credit card costs down, helping you to be better off. The account fee is lean too - just $5 per month. 2

Up to 55 days interest free

With up to 55 days interest free on your purchases provided you pay the full statement balance by its due date, using your credit card can help you manage your money.

Got an outstanding balance on another bank’s card?

Transfer your balance from another bank’s credit card to a BNZ Lite Visa card and you’ll get a special interest rate of just 5.99% p.a. 1 for the first six months on the balance transferred.

Low minimum payment in case you need it

Each month, you can choose to pay as little as 2% or $25 of your outstanding balance (plus any overlimit or overdue amount), whichever is greater. To minimise interest we recommend that you repay as much of the outstanding balance each month as possible, as you will be charged the current applicable interest rate on any remaining balance unpaid. But it’s nice to know that the minimum payment option is there when you need a bit more flexibility.

Need cash in a hurry?

You can use your BNZ Lite Visa to get a cash advance from ATMs3 here and overseas4.  There’s no interest-free period for cash advances, so using your credit card to borrow cash is just like getting an instant loan.

Security to protect you from fraud

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

View more tips on using and managing your credit card.

 Rates and fees
Interest rates5
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 charges2
Account fee $5 monthly
Joint/additional account fee $1 monthly
Miscellaneous charges
Foreign currency service fee6 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 card7 $10.00
Statement copy $5.00
Voucher copy $25.00
Cash advance fees8
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

Next steps

Apply online nowFind a store 0800 800 667

Small print

  1. Rate subject to change. There are no interest free days 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 the promotional period, any balance transfer amount still unpaid will revert to the standard annual purchase interest rate.
  2. Account fees subject to change. An additional fee applies for all additional/joint accounts.
  3. Cash advance fees apply.
  4. Foreign currency service fees apply.
  5. Interest rate subject to change.
  6. 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.
  7. A Card Dispatch fee may be charged if applicable.
  8. 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.

BNZ lending criteria and account fees apply.