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. 

Credit cards that reward you

BNZ Advantage rewards credit cards

Earn Fly Buys points or Cash Rewards^ - your choice, with a BNZ Advantage card.

Or check out our other cards

An Eftpos card that works like a credit card

An everyday Eftpos card that lets you shop with the convenience of a credit card.

Learn about Flexi Debit Visa

A credit card that starts with a mortgage

Get a unique credit card at a floating mortgage rate and pay no annual fee.

Learn about HomeAdvantage

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.

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.

Exclusive rewards

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.

Compare BNZ credit cards

Small Print

BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Fly Buys terms and conditions apply. 

Read our full credit card terms and conditions

  1. Double Rewards offer is only available with BNZ Advantage Visa Classic and BNZ Advantage Visa Platinum credit cards. Read full terms and conditions

  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. 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). 

  4. 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.