Choose a card that works for you
Pay less interest
Spread the costs of your purchases with a Low Rate Mastercard - ideal if you don’t pay off your credit card in full each month and want to save on interest costs.
Get up to $150 cash back with our rewards cards
Apply for a BNZ Advantage Visa Platinum or Classic card and you could be eligible to get up to $150 bonus cash back or 1000 Fly Buys points. Terms and conditions including minimum spend criteria apply.
Using your credit card
Visa and Mastercard are accepted all over the world so you'll have peace of mind knowing you can pay for the things you need while you’re travelling overseas. Just let us know before you go.
Manage your card online
Keep track of spending and stay on top of your card payments with our Internet Banking and Mobile Banking apps^.
Our cards come with these security features
Cover for fraud
If you buy something online and don’t receive it, or return an item and don’t get a refund, our NetPromise policy means we can help get your money back if you let us know within 30 days of getting your statement.
Our liquid encryption technology updates the security information on your card’s magnetic strip every time you use it at a BNZ ATM. This helps us detect if your card has been copied without your knowledge.
Credit cards help and support
If your card is lost or stolen call 0800 735 901 (24 hours)
Or call us collect from a land line from here or overseas +64 4 473 5901
BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Rates and fees subject to change. Fly Buys terms and conditions apply.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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.
Android Pay is a trademark of Google Inc.
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.
Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Lite Visa, BNZ Visa Classic, BNZ Visa Platinum and BNZ Flexi Debit Visa.
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 support.apple.com.
BNZ credit card terms and fees apply, and these are subject to change. To use Android Pay, you need an NFC-enabled Android™ device (KitKat 4.4+), the BNZ Mobile Banking app and an eligible BNZ Visa credit or Flexi Debit Visa card. Android Pay can only be used at outlets that accept contactless payments, and online when activated by the merchant. Android, Android Pay, Google Play and the Google Play logo are trademarks of Google Inc. Mobile coverage and data are required to access BNZ online services and the BNZ Mobile Banking app. If you upgrade your EFTPOS card to a Flexi Debit Visa, your PIN should be transferred provided you have made a recent PIN activated transaction. To activate your card, use your existing PIN at an ATM or EFTPOS terminal in New Zealand, before using Android Pay. If you have a new Flexi Debit Visa card, you will need to go into a BNZ store to load a PIN before Android Pay will work.
Maintenance sometimes required. Mobile coverage and data required to access BNZ online banking services and the BNZ Mobile Banking App.