Credit cards to suit your lifestyle
Select a credit card from our range that best suits your needs
Whether you're looking for credit cards that earn rewards like Fly Buys or Airpoints or a low interest credit card, we can help you choose the best one for you.
Get a low rate on your credit card when you transfer to BNZ
Pay only 1% p.a. for 12 months on the transferred balance when you bring your credit or store card debt you have elsewhere to a BNZ credit card, and open a BNZ transaction account (that your main income is paid into). If you don't have a BNZ transaction account, we'll still give you 3.99% p.a. for 12 months on the transferred balance, whether you're new to BNZ or we already know you.*
Get rewarded with a HomeAdvantage credit card
For our home loan customers, get a low purchase interest rate that is the same as BNZ's "Standard/Fly Buys" variable home loan interest rate, and pay no annual account fees with HomeAdvantage.
Earn Fly Buys points with your BNZ credit card
BNZ is the only bank in NZ that offers you credit cards that let you collect Fly Buys points with every purchase. Rewards are available with BNZ's Platinum Visa credit card and Classic and Gold credit cards.
Earn Airpoints with GlobalPlus credit cards
Earn Air New Zealand Airpoints Dollars™ on every purchase you make with a GlobalPlus credit card. Rewards are available with GlobalPlus Platinum Visa, GlobalPlus, and GlobalPlus Gold credit cards.
Get a low interest rate with Low Rate MasterCard
The BNZ Low Rate MasterCard has one of our lowest credit card purchase interest rates in the NZ market and you can get up to 55 days interest free^.
Find the credit card that suits you best
* To be eligible for the interest rate of 1% p.a. for 12 months on the transferred balance, you must transfer a balance from a non-BNZ, New Zealand issued credit or store card to a BNZ credit card by 31 March 2014, and open a BNZ transactional account by 31 March 2014, with your wages or salary deposited into it by 31 May 2014 (the Bundled Offer).
To be eligible for the interest rate of 3.99% p.a. for 12 months on the transferred balance, you must transfer a balance from a non-BNZ, New Zealand issued credit or store card to a BNZ credit card by 31 March 2014 (the Basic Offer). Together, the Bundled Offer and the Basic Offer are the Offers.
For both Offers, terms and conditions, and fees apply. Balance transfer and transaction account opening is subject to BNZ approval. A minimum balance transfer amount of $500 applies. Your BNZ credit card must remain within 95% of its credit limit after the balance has been transferred. This means you cannot transfer a balance up to your full BNZ credit card limit. Offers exclude personal loans and BNZ Business First Visa cards.
For both Offers, any outstanding balance that remains on your BNZ credit card 12 months from the date that the relevant balanced transfer interest rate commenced on your card, will revert to the prevailing purchase interest rate for that credit card account.
To retain both Offers, your credit card account must be in compliance with your card's terms and conditions (in respect to Payments). To retain the Bundled Offer, the BNZ transaction account that you open must be active and continue to have your salary or wages paid into it. BNZ reserves the right to increase the interest rate applying to the transferred balance to the prevailing purchase interest rate on the credit card if you are no longer in compliance with your card’s terms, or in the case of the Bundled Offer, if your salary or wages are no longer paid into your BNZ transaction account or you have not paid your salary or wages into the transaction account by 31 May 2014.
For both Offers, the prevailing purchase interest rate will be charged to any new purchases using your BNZ credit card. Balance transfers are not eligible for rewards, Air New Zealand Airpoints Dollars™ or Status Points and there are no interest free days or cash backs.
Terms and conditions
BNZ credit card terms and conditions PDF 170KB
^Interest free days available provided you pay the full statement balance by the due date.
BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Fly Buys terms and conditions apply. Air New Zealand Airpoints Programme terms and conditions apply. BNZ's Disclosure Statement may be obtained from any BNZ store or Partners Centre.