Cards for every business and every situation

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

Choose from four great cards

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Business First Lite Visa

Low rate for small businesses

  • 14.95% p.a. interest rate
  • $5 monthly account fee
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Business First Visa

Simple purchases & expenses

  • 18.95% p.a. interest rate
  • $6.25 quarterly fee per card
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Advantage Visa Business

Fly Buys or Cash Rewards

  • 18.95% p.a. interest rate
  • $50 half-yearly account fee
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Corporate & Purchasing

Corporate expenses & control

  • 18.95% p.a. cash advance interest rate 
  • Account fee on application

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

 

How our cards can benefit your business

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Take control of spending

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

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Simplified reporting and reconciliation

Easily manage and reconcile business expenses.

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Manage your cash flow

Manage your cash flow with flexible payment options.

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Your choice of rewards

Choose either Fly Buys points or Cash Rewards^.

Compare our cards

Business First Lite Visa

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

  • Purchase interest rate14.95% p.a.
  • Interest-free daysUp to 55 days
  • Account fee^$5 per month, per card
  • Number of cards per accountUnlimited
  • Advanced card security
  • Unauthorised transaction insurance^
  • Emergency travel assistance

Business First Visa

A card that simplifies purchasing and expenses for larger businesses.

  • Purchase interest rate18.95% p.a.
  • Interest-free daysUp to 40 days
  • Account fee^$6.25 a quarter, per card
  • Number of cards per accountUnlimited
  • Advanced card security
  • Unauthorised transaction insurance^
  • Emergency travel assistance

Advantage Visa Business

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

  • Purchase interest rate18.95% p.a.
  • Interest-free daysUp to 50 days
  • Account fee$50 half yearly (6 monthly rebate)^ 
  • Number of cards per account2
  • Joint account fee$10 half yearly (6 monthly rebate)^
  • Advanced card security
  • Apple Pay-ready
  • Google Pay-ready
  • 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^
  • Emergency travel assistance

Corporate and Purchasing Visa

Let your employees pay for corporate expenses while you get visibility and control.

  • Cash advance interest rate^18.95% p.a.
  • Interest-free daysNot applicable
  • Account feeOn application
  • Number of cards per accountUnlimited
  • Customised card design
  • Advanced card security
  • Monthly statement date optionsSix options
  • Various transaction limits
  • Compatible with Expense Management systems
  • Reporting options

We’ve got security sorted

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WORLD LEADING CARD SECURITY

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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YOU’RE COVERED FOR FRAUD

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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INDEMNITY INSURANCE

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

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 $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 and Corporate and Purchasing Visa are not available for balance transfers.