Cards for every business and every situation

Whether you’re looking for simplicity, low interest rates, control over spending, rewards, or ways to pay for everyday expenses direct from your business account - we’ve got a debit or credit card to help.

Credit cards for businesses of all sizes

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Business First Lite Visa

A low interest rate business card that’s great for small businesses.

  • 14.95% p.a. purchase interest rate
  • Up to 55 interest-free days
  • $5 monthly account fee, per card
  • Unlimited number of cards per account^
  • Emergency travel assistance
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Business First Visa

A card that simplifies purchasing and expenses for larger businesses.

  • 18.95% p.a. purchase interest rate
  • Up to 40 interest-free days
  • $6.25 quarterly account fee, per card
  • Unlimited number of cards per account^
  • Emergency travel assistance
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Advantage Visa Business

Choose what rewards you earn, Cash Rewards or FlyBuys^.

  • 18.95% p.a. purchase interest rate
  • Up to 50 interest-free days
  • Two cards per account
  • Account fee of $50 half yearly^
  • Joint account fee of $10 half yearly^
  • Spend $15 to earn 1 FlyBuys^
  • Spend $75 to earn $1 Cash Reward
  • Up to 35 days of travel insurance^ 
  • Personal liability card^
  • Apple Pay™ and Google Pay™ ready
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Apply online for a Business First or Business First Lite Visa

It’s fast and easy to apply online for a Business First or Business First Lite Visa through QuickBiz. You could get access to a credit card, with a limit of up to $50,000, without needing to provide additional security. 

Find out more

Business debit and purchasing cards

Flexi Debit for Business

Flexi Debit for Business

For small and medium enterprises, sole traders, and start-ups.

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Corporate and Purchasing

Manage employee spending and keep on top of corporate costs, ideal for large businesses.

  • Cash advance interest rate of 18.95% p.a.^
  • Account fee on application
  • Unlimited number of cards per account
  • Customised card design
  • Various transaction limits
  • Seven options for monthly statement dates
  • Compatible with Expense Management Systems
  • Reporting options
  • Advanced card security
  • Block and unblock card in the BNZ app
  • Turn contactless payments on and off in the BNZ app

Manage your corporate card expenses online

Save time and get visibility over your business expenses with FlexiPurchase, an online expense management system that lets you easily manage expenses like travel, office supplies, and entertainment.

We’ve got security sorted

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You get the added security of Verified by Visa, and our liquid encryption security technology re-secures your card each time you use it at one of our ATMs.

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Our zero fraud liability guarantee means we’ll pay for transactions you didn’t make, as long as you’ve complied with the card’s terms and conditions.

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Insurance that helps to protect your business against misuse of  your Business First Visa card by an employee or ex-employee. 

Visa offers to support your business

All our cards come with a range of Visa benefits and offers with third-party providers, that are designed to help improve efficiency and grow your business. Some of these include:

  • Xero
  • Office 365
  • Google Suite and Google Ads
  • Digital Ocean
  • FreshBooks
  • Zendesk

Miscellaneous charges

Foreign Currency Service fee^: 2.25% of the NZ dollar value of every foreign currency transaction (as defined in the relevant credit card terms and conditions).  The Bank does not charge a foreign currency service fee on purchase reversals, purchase refunds, ATM reversals and chargebacks. For those transactions (not including purchase refunds) we credit a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the reversal or chargeback.

Late Payment fee: $15,  Nil (Business First Visa — Control Plan, and Corporate and Purchasing Visa)

Over limit fee: $20 per statement (on each statement until the account is back within its limit) Nil (Business First Visa — Control Plan)

Replacement card^: $0

Statement copy: $5

Voucher copy: $25

Cash Advance^ via NZ BNZ ATM, Telephone Banking or Internet Banking: $1

Cash Advance via NZ Non-BNZ ATM: $2

Cash Advance — Teller Assisted: $5

Cash Advance — All Overseas Transactions: $0^

Business card help and support

If you need some help you can contact a Small Business Specialist or your BNZ Partner.