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

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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.

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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^.

2019 Canstar Bank of the Year - Credit cards

We’re proud to be the inaugural winner of the Canstar Bank of the Year - Credit Cards award. This award recognises our suite of credit cards as offering outstanding value for a wide range of customers.

Using your credit card

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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 Pay™^ or Google Pay™^ and you’re good to go.

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Shopping online

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


Going overseas

Tick your travel essentials off your list before your next trip abroad. Visa and Mastercard are accepted all over the world, so you’ll have peace of mind using your everyday cards overseas. Just let us know before you go

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Stay in control

Manage your credit card settings in the BNZ app. You can block your card if you’ve misplaced it, then unblock it once it’s safely back in your hands. You can also turn Visa payWave or Mastercard Tap & Go™ on or off in the app.

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 Pay.

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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.

Tips and guides

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How to use your credit card wisely

When used wisely, a credit card can be a useful tool for managing your cash flow. We’ve taken a good look at how you can get the most out of your credit card.

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How to improve your credit score

There’s an air of mystery to the way credit scores are calculated, so here we shed some light on the credit score number that may mean the difference between getting a loan or not.

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Everything you need to know about balance transfers

If you’re one of the many Kiwis who likes to give their credit card a workout, there are a few things you can do to avoid the shock of your next credit card statement.

Credit cards help and support