Our cards give you ultimate flexibility

Whether you want a card that earns rewards or a low interest rate, we’ve got you covered.

Credit cards with benefits

Pay less interest

Our simplest card with a low purchase interest rate to help keep card costs down. Plus transfer a balance from a non-BNZ credit card to our Low Rate Mastercard, and get 0% p.a. for 12 months^

Choose the rewards you want

Earn rewards when you pay for things with your BNZ Advantage Classic card. Choose from Cash Rewards^ or Fly Buys points.

 Android Pay-ready ✓

A card with more benefits

Earn Fly Buys points or Cash Rewards, plus get extra benefits like complimentary travel insurance^ and concierge service.

 Android Pay-ready ✓

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.

We’ve got security sorted

You'll never have to worry about security with one of our credit cards because we take security just as seriously as you do. Learn more

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World leading card security

You get the added security of Verified by Visa and Mastercard SecureCode, 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

If you’re a victim of fraud, our zero fraud liability guarantee means we’ll pay any transactions you didn’t make as long as you’ve complied with your card’s terms and conditions.

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Online purchase protection

If you buy something 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.

Change your card type or increase your limit

You can change to a different credit card or increase your credit card limit online.

No wallet, no problem

Add your eligible BNZ Visa credit and debit cards^ to Android Pay, and start paying with your phone^. Just download the BNZ Mobile Banking App, add your cards, and you’re ready to tap, pay, and go.

A zero percent rate is smart. A zero balance is even smarter.

Get 0% p.a. for 12 months on balances transferred from a non-BNZ credit or store card. Conditions apply. After 12 months the standard purchase interest rate will apply to transferred balances.

Credit card rates, fees, & benefits

See every rate and fee for each of our cards, so you can choose the card that’s right for you.

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Small Print

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.

Android Pay is a trademark of Google Inc.

Read our full credit card terms and conditions

  1. Eligibility for the balance transfer rate is limited to balances from non-BNZ New Zealand issued Visa, MasterCard, American Express, GE CreditLine, The Warehouse Financial Services Credit and Store Cards, Fisher & Paykel Finance issued Q Cards and Farmers Cards. Generally payments are applied to higher interest rate transactions first.

    Terms and conditions, and fees apply. Balance transfer 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 HomeAdvantage credit cards, BNZ Business First Visa and personal loans.

    Any outstanding balance that remains on your BNZ credit card 12 months from the date that the relevant balance transfer interest rate commenced on your card, will revert to the prevailing purchase interest rate for that credit card account. For BNZ Low Rate MasterCard, this is currently 13.45% p.a. To retain the offer, your credit card account must be in compliance with your card’s terms and conditions (in respect to Payments). 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.

    The prevailing purchase and/or cash advance interest rate will be charged to any new purchases and/or cash advances using your BNZ credit card. Balance transfers are not eligible for rewards, including Fly Buys points or cash backs, and there are no interest free days. Interest rate is subject to change.

  2. 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.

  3. 90 Day Platinum International Leisure Travel Insurance pdf 418kb and Accidental Death and Disablement (Common Carrier) cover (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria 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 Platinum 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.

  4. 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.

  5. 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.