A credit card that earns rewards

With a BNZ Advantage Visa Platinum you’ll earn BNZ Points^ which you can redeem for rewards such as travel, eGift cards, or cash back to an eligible BNZ account.^

Most BNZ customers can apply for a credit card through Internet Banking or the BNZ app.^

How to apply

Advantage Visa Platinum features

  • $45 half-yearly account fee^
  • $10 half-yearly joint/additional card fee
  • $5,000 minimum credit limit
  • 18.95% p.a. purchase interest rate^
  • 18.95% p.a. cash advance interest rate^
  • Up to 44 interest-free days^
  • Google Pay and Apple Pay ready
  • Up to 90 international travel insurance days^
  • Emergency travel assistance
  • Concierge service

BNZ Rewards programme

With BNZ Rewards you’ll earn 1.67 BNZ Points^for every $1 spent, which can be:

  • redeemed for travel including flights, hotels, and rental cars worldwide
  • transferred to other participating partner loyalty programmes including airlines and hotels
  • redeemed for eGift cards delivered instantly via email
  • redeemed for cash back to an eligible BNZ account^
  • split 50/50 for joint cardholders. 

View your BNZ Points balance, latest offers, recent activity and ways to redeem your BNZ Points, by logging in to your Internet Banking or BNZ app.^

Advantage Visa Platinum travel benefits

Concierge service

Use the concierge service to book a hotel, or make a last–minute dinner reservation, anywhere in the world.

Advantage Visa Classic is no longer on sale

As of 7 October 2025, the Advantage Visa Classic credit card is no longer available to new customers. If you already have an Advantage Visa Classic credit card, you can continue using it as usual. 

Make the most of your card

Make payments with your mobile

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.

Shop online or overseas

Use your card to buy things when you’re overseas. Let us know your travel plans before you go, so we can protect your cards and transactions better while you’re away. Our credit cards have extra security features to help protect you when you shop online.

We’ve got you covered for fraud

Our zero fraud liability guarantee means we’ll repay any transactions that you didn’t make as long as you’ve complied with your card’s terms and conditions.

Depositor Compensation Scheme

Positive balances held on an Advantage Visa Classic (off sale) and Advantage Visa Platinum are covered under the Government’s Depositor Compensation Scheme. The scheme covers up to $100,000 of your money in the unlikely event of a failure.

Credit cards help and support

If your card is lost or stolen call us on 0800 735 901, or call us on +64 4 473 5901 from overseas (international toll charges apply).