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

Choose the rewards you want

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

A card with more benefits

Along with a choice of Fly Buys points or Cash Rewards, BNZ Advantage Visa Platinum comes with extra benefits like complimentary travel insurance and concierge service.

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^

Boost your rewards balance with a BNZ Advantage Visa card

Enjoy even more rewards when you apply in May and are approved for a new BNZ Advantage Visa card. All you need to do is spend the minimum threshold in the first three months to receive a bonus reward of up to 1000 Fly Buys points or $150 cash back*. 

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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Protect your purchases

Take advantage of extended warranties, insurances, and our lowest price guarantee on items you purchase.

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.

flexi debit visa 180x112pxBNZ Flexi Debit Visa - the card for everyday

It's a little card with a whole lot of benefits. Use it to shop online, over the phone, or overseas wherever Visa is accepted.

Android pay promoAndroid Pay™ — the awesome new way to pay

We’ve partnered with Google™ to bring Android Pay to New Zealand, so you can start paying with your phone and BNZ Flexi Debit Visa.
Get it on Google Play

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.

cards compare v5

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. 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. 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.

  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.

*Read full terms and conditions of this offer.