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 that reward you
Earn Fly Buys points or Cash Rewards1 - your choice, with a BNZ Advantage card.
Load up on gifts, not interest
Don't blow your budget this Christmas. Get approved for a Low Rate MasterCard2 between 27 October 2015 and 13 December 2015 and pay 0% p.a. for 6 months on new purchases.
After 6 months the standard purchase interest rate (currently 13.45%) applies. Lending criteria, terms, conditions and fees apply.3
Get debt-free faster with a balance transfer
Switch to a BNZ credit card and you could get -% p.a. for 12 months on balances transferred from a non-BNZ credit or store card, when you also have your income paid into one of our transaction accounts. Plus, until January 2016, each month you reduce your card balance, you’ll go in the monthly prize draw to have up to $2,000 of your repayment matched by us. 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, once-in-a-lifetime experiences, exclusive shopping or dining benefits — you'll unlock a world of choice at bnzadvantage.co.nz.
Compare 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
BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Fly Buys terms and conditions apply.
- 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).
- To be eligible for a 0% p.a. purchase interest rate on new purchases for 6 months (“0% p.a. Interest Period”), you must open a Low Rate MasterCard between 27 October 2015 and 13 December 2015. The 0% p.a. Interest Period begins on the date your card is approved (not the date you first use your card), and applies for 6 months. After this period, the standard purchase interest rate for a Low Rate MasterCard (which will be higher and is currently 13.45% p.a.) will apply to any outstanding balances and to any new purchases you make on your card. To retain your low interest rate of 0% p.a. during the 0% p.a. Interest Period you must comply with your card’s terms and conditions.