Cards for every business and every situation

Whether you’re looking for simplicity, low interest rates, or rewards, our cards have your business covered.

Business First Lite Visa

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

  • Purchase interest rate -% p.a.
  • Account fee^$5 per month, per card
  • Interest-free days Up to 55 days
  • Number of cards per account Unlimited
  • Advanced card security
  • Unauthorised transaction insurance^
  • Emergency travel assistance
Start your application
Business First Visa

A card that simplifies purchasing and expenses for larger businesses.

  • Purchase interest rate -% p.a.
  • Account fee^$6.25 a quarter, per card
  • Interest-free days Up to 40 days
  • Number of cards per account Unlimited
  • Advanced card security
  • Unauthorised transaction insurance^
  • Emergency travel assistance
Start your application
BNZ Advantage Visa Business

The card that rewards you with Fly Buys points or Cash Rewards — your choice.

  • Purchase interest rate -% p.a.
  • Account fee^$50 half yearly
  • Interest-free days Up to 50 days
  • Number of cards per account 2
  • Advanced card security
  • Google Pay-ready^
  • Apple Pay-ready^
  • Emergency travel assistance
  • Travel insurance days^Up to 35 days
  • Rewards^ Fly Buys or Cash Rewards
  • Spend to earn 1 Fly Buys point^$15
  • Spend to earn $1 Cash Reward^$75
  • Personal liability card^
Apply now

Looking for a card for your personal use? Check out our Personal credit cards.

How our cards can benefit your business

Take control of spending

Easily monitor spending so costs don't get out of hand.

Simplified reporting and reconciliation

Easily manage and reconcile business expenses.

Manage your cash flow

Manage your cash flow with flexible payment options.

Your choice of rewards

Choose either Fly Buys points or Cash Rewards^.

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. 

Business credit card rates^ and fees

Card TypeCard Plan^
Purchase Interest Rate
Cash Advance Interest RateInterest-free DaysAccount fee^
Joint/additional account fee^
Business First Visa Control Plan % p.a. % p.a. Up to 40 days interest free $6.25 per card per quarter $6.25 per card per quarter
Business First Visa Lite Plan % p.a. % p.a. Up to 55 days interest free $5.00 per card per month $5.00 per card per month
BNZ Advantage Visa Business Not applicable  % p.a. % p.a. Up to 50 days interest free $50 half yearly
Rebate on 6 monthly spend^
 $10 half yearly Rebate on 6 monthly spend^

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 (which does not include purchase refunds — on which we charge a foreign currency service fee), ATM reversals and chargebacks, and credits 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 $15.00,  Nil (Business First Visa — Control Plan)

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^  $10.00

Statement copy $5.00

Voucher copy $25.00

Cash Advance^ via NZ BNZ ATM, Telephone Banking or Internet Banking $1.00

Cash Advance^ via NZ Non-BNZ ATM $2.00

Cash Advance^  — Teller Assisted $5.00

Cash Advance^ — All Overseas Transactions $7.50

Balance transfers^

Card type balance transfer rate
Term of transfer rate
Business First Lite Visa
-% p.a. 12 months
BNZ Advantage Visa Business
-% p.a. 12 months

BNZ Business First Visa is not available for balance transfers.

Small Print

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google Inc.

  1. Account fees are subject to change.

  2. BNZ Business First™ Visa Indemnity Insurance is underwritten by QBE Insurance Group Limited. Cover is subject to the terms, conditions and exclusions contained in the policy.

  3. To use Google Pay, you need an NFC-enabled Android™ device (KitKat 4.4+) and the BNZ Mobile Banking app.

  4. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see

  5. 35 Day Business International Travel Insurance and Accidental Death and Disablement (Common Carrier) cover ('Insurance') is subject to the terms, conditions, exclusions (for example age limitations etc.) and activation requirements contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to BNZ Advantage Business cardholders by Cigna Life Insurance New Zealand Limited ('Insurer') under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of the Insurer, and does not guarantee the obligations of the Insurer. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

  6. Rewards are earned on eligible purchases, which exclude cash advances, balance transfers, interest charges, bank fees, gambling, betting and lottery transactions, government charges and unauthorised transactions for which you are not liable.

  7. The BNZ Advantage Visa Business is a personal liability card, which means that the personal cardholder will be responsible for credit extended by BNZ, even if a business name appears on the card.

  8. Fly Buys terms and conditions apply. Fly Buys collection and redemption rates are subject to change without notice.  For further details visit BNZ (and its related companies) do not guarantee the collection or redemption of Fly Buys points or that Fly Buys points will continue to be offered for products or services provided by them.

  9. Rates are subject to change.

  10. Lending criteria applies.

  11. Spend $24,000 or more in a 6 month period and we'll refund your next half yearly account fee. Refunded back on your card if you spend $24,000 or more on purchases in the 6 months since your last half yearly fee charge. Purchases excludes Cash Advances (including those bill payments which we determine are Cash Advances), fees, interest, credit card insurance payments and balance transfers from non-BNZ accounts and BNZ accounts, but include purchases transacted during the relevant period that have been transferred from another BNZ credit card account when switching to a BNZ Advantage Business card.

  12. The converted amount of the foreign currency transaction and the foreign currency service fee (where applicable) are both aggregated in the New Zealand dollar amount and in the rate of exchange shown on the statement for each foreign currency transaction.

  13. A Card Dispatch fee may be charged if applicable.

  14. 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.

  15. Balance transfer terms and conditions apply

Terms and conditions

BNZ’s terms and conditions, and 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.

Business First Visa terms and conditions PDF 268KB
Business First Visa Credit Card Application Form PDF 119KB
Amendment to Application for BNZ Business First Visa Agreement Form PDF 61KB
BNZ credit card terms and conditions PDF 170KB
BNZ Advantage Business travel insurance policy PDF 440KB
BNZ Advantage Business travel insurance FAQs PDF 217KB
CreditCare Business policy PDF 76KB