Using and managing your card

Tips, choices and guidelines to help you get more from your credit card.

Find out about how to manage your card can help you keep it secure, minimise debt and avoid unnecessary charges. It doesn’t take long to brush up on our straightforward security guidelines. Help keep your holiday trouble-free by reading our travel tips before you head overseas.  If you shop online, you’ll appreciate the added security of a BNZ credit card. And when it comes to paying your credit card bill, a direct debit or automatic payment can help you avoid unnecessary charges.

Payment options

Find out how to check the amount you have to pay, and choose how you’d like to pay your credit card bill - from do-it-yourself payment options to a set-and-forget direct debit.

Fine-tune your card

Find out how to make a balance transfer from another bank’s credit card, apply for a credit limit increase, upgrade your card, get a PIN on your card and more.

Using your card for travel

Find out how to get the most out of your credit card or debit card while travelling overseas. Learn about travel insurance, card fees, exchange rates and using ATMs in other countries.

Card security

Find out how to make the most of our credit and debit card security, from loading a PIN to using a card that's enhanced with chip. Also find out who to call if your card is lost or stolen. 

Shopping online

Find out how Verified by Visa, MasterCard SecureCode, NetPledge and NetPromise can help make online shopping with your credit card or Flexi Debit Visa card safer.

Did you know?

When you transfer your balance from another bank’s credit card to your BNZ card, we could give you a special interest rate for a fixed period on the amount you transfer1.

Small print

  1. 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 fixed period, any balance transfer amount still unpaid will revert to the standard annual purchase interest rate.  For new cards, lending criteria, and account fees apply.