Our cards give you ultimate flexibility
Whether you want a card that earns rewards or a low interest rate, we've got you covered.
Double Rewards for 6 months. Get a BNZ Advantage Visa card
Work your credit card to your advantage by getting either a BNZ Advantage Visa Platinum or Visa Classic card. Pick your choice of Cash Rewards or Fly Buys points and earn Double Rewards^ for 6 months whenever you shop online, overseas, or at the supermarket.
A zero percent rate is smart. A zero balance is even smarter
Switch to a Low Rate MasterCard^ and you could 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.
If you're a BNZ Advantage cardholder you’ll get exclusive rewards at bnzadvantage.co.nz. Whether it’s holiday packages, exclusive shopping, dining benefits, or experiences like the chance to play golf on one of New Zealand’s premier courses — you'll unlock a world of choice at bnzadvantage.co.nz.
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.
Credit card 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
- Lost and stolen cards
- Using your card overseas
- Changing your card details
- Verified by Visa and MasterCard SecureCode
- Contactless payments
- Shopping online
- Payment options
- Card security
- Managing your card
- Unusual transactions
- Earning and redeeming your rewards
- Financial hardship
- Travel insurance
BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Fly Buys terms and conditions apply.
Double Rewards offer is only available with BNZ Advantage Visa Classic and BNZ Advantage Visa Platinum credit cards. Read full terms and conditions.
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.
Your eligibility for the Low Rate MasterCard is subject to BNZ approval. The standard account fee for the Low Rate MasterCard, which is currently $5 per month, will be charged to your card once your card is approved (other fees may also apply).
90 Day Platinum International Leisure Travel Insurance 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 criterial 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.