See zero with a new Low Rate Mastercard
Apply for a new Low Rate Mastercard and get on top of your expenses.
- $0 account fee for 6 months
- 0% p.a. interest on balances transferred for 12 months
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.
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
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.
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.
Manage your card online
Keep track of spending and stay on top of your card payments with our Internet Banking and Mobile Banking apps.
Our cards come with these security features
Cover for fraud
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.
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
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.
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.
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
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