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.

Features
  • 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.

Features
  • 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.

Features
  • 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

Illustration Secure Fraud

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.

Illustration Fraud

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.

Illustration Secure

INDEMNITY INSURANCE

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.