Our cards give you ultimate flexibility

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

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.

Earn rewards

Earn rewards on your everyday spending with a BNZ Advantage card. You can choose between earning Fly Buys points or Cash Rewards - what you spend them on is completely up to you^.

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

Mobile payments

Breeze through the checkout in stores, apps and online by making mobile payments. Just add your eligible BNZ Visa credit cards^ to Apple PayTM^ or Android PayTM^ and you’re good to go.

Shopping online

Add your cards to Visa Checkout, a fast and secure way to pay for things online. Our cards also come with an extra layer of security - Verified by Visa and Mastercard SecureCode - to help keep your cards safe online.

Going overseas

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.

Apple Pay. Your new, easy way to pay is here

Now you can pay for everything from takeout to taxis with your BNZ Flexi Debit Visa, eligible Visa credit cards^ and Apple PayTM.

manage it online 2

Manage your card online

Keep track of spending and stay on top of your card payments with our Internet Banking and Mobile Banking apps^.

Log in to Internet Banking

flexidebit 180x112pxLooking for an everyday debit card?

Get easy access to your money with a BNZ Flexi Debit Visa. Link it to your accounts and use it to shop online, over the phone or by making mobile payments.

More about BNZ Flexi Debit Visa

Our cards come with these security features

Cover for fraud

In the unlikely event you’re a victim of fraud, our Zero Fraud Liability guarantee means we’ll repay any transactions you didn’t make, as long as you’ve met your credit card terms and conditions.

Purchase protection

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.

ATM technology

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

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.

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.

  1. 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.

  2. 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.

  3. 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

  4. 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.

  5. Maintenance sometimes required. Mobile coverage and data required to access BNZ online banking services and the BNZ Mobile Banking App.

Read our full credit card terms and conditions