Cards that reward you with choice

With a BNZ Advantage credit card you choose what rewards you earn, Cash Rewards or Fly Buys points^. 

Apply for Advantage Visa Platinum Apply for Advantage Classic

Choose a card

BNZ Advantage Classic
Choose your rewards
Fly Buys points^ or Cash Rewards

$40 spend = 1 Fly Buys point

$150 spend = $1 Cash Reward


Rewards are earned on eligible purchases^
Classic features
  • Account fee$20 half-yearly
  • Joint/additional card fee$6 half-yearly
  • Minimum credit limit$500
  • Purchase interest rate-% p.a.
  • Cash advance interest rate-% p.a.
  • Balance transfer^-% p.a. for 6 months
  • Interest–free daysUp to 55 days
  • Google Pay-ready (Visa only)^✓
  • Apple Pay-ready (Visa only)^✓
Apply for BNZ Advantage Classic
BNZ Advantage Visa Platinum
Choose your rewards
Fly Buys points^ or Cash Rewards

$15 spend = 1 Fly Buys point

$90 spend = $1 Cash Reward


Rewards are earned on eligible purchases^
Platinum features
  • Account fee$45 half-yearly
  • Joint/additional card fee$10 half-yearly
  • Minimum credit limit$8,000
  • Purchase interest rate-% p.a.
  • Cash advance interest rate-% p.a.
  • Balance transfer^-% p.a. for 6 months
  • Interest–free daysUp to 55 days
  • Google Pay-ready^✓
  • Apple Pay-ready^✓
  • Travel insurance days^Up to 90 days
  • Concierge service✓
  • Extended warranty^✓
  • Purchase insurance^✓
  • PriceGuard^✓
Apply for BNZ Advantage Visa Platinum

Pick how you want to be rewarded

Fly Buys 2

Fly Buys points

On average, BNZ Fly Buys members collect 7 times more Fly Buys points a year as other Fly Buys members^.

  • Earn Fly Buys points anytime you buy things with your BNZ Advantage card.
  • Collect two lots of points by shopping at Fly Buys retailers, paying with your BNZ Advantage card, and swiping your Fly Buys membership card in the same purchase. 
  • Turn your Fly Buys points into rewards at flybuys.co.nz — there’s more than 3,000 rewards to choose from.
  • Convert your points into contributions to any BNZ KiwiSaver Scheme account^.
Fly Buys rewards

Cash Rewards

Get cash back to spend on what you want, when you want. Use it for things you need now, or put it aside for something special in the future. 

  • Use the cash you earn to reduce your credit card balance each month.
  • Save your Cash Rewards to a BNZ savings account. Earn interest on top, to have more money to spend later.
  • Set up your Cash Rewards to go to your BNZ KiwiSaver Scheme account^ each month,  so you make regular contributions automatically.
  • It’s easy to manage your Cash Rewards through Internet Banking.

travel benefits5

Travel benefits with Advantage Visa Platinum

Travel Insurance
Get up to 90 days complimentary international leisure travel insurance.^Activate your travel insurance before you leave New Zealand.

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

Emergency travel assistance
Provides 24 hour medical services and advice when you’re travelling overseas.

Apply for BNZ Advantage Visa Platinum

Make the most of your card

manage card online

Manage your card online

Keeping track of your spending is easy with online banking. You can check your balance, view your statements, set up an automatic payment or a direct debit so you never miss a bill payment, and increase or decrease your limit.

cash back

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 PayTM^or Google PayTM^and you’re good to go.

business travel insurance promo

Shop online or overseas

Use your card to buy things when you’re travelling 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.

lowest price

Lowest price guarantee

If you’re an Advantage Visa Platinum cardholder, you’re covered by PriceGuard^, so if you buy something over $150 using your card, then see it cheaper somewhere else, we’ll refund the difference as long as you let us know within 30 days.

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.

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

Small Print

Lending criteria, terms and fees apply. Rates and fees are subject to change.

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

  1. Fly Buys terms and conditions apply. Fly Buys collection and redemption rates are subject to change without notice.  For further details visit flybuys.co.nz. BNZ (and its related companies) do not guarantee the collection or redemption of Fly Buys points or that Fly Buys points will continue to be offered for products or services provided by them.

  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. Balance transfer terms and conditions apply. 

  4. To use Google Pay, you need an NFC-enabled Android™ device (KitKat 4.4+) and the BNZ Mobile Banking app.

  5. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see support.apple.com. 

  6. 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.

  7. Purchase Protection, Extended Warranty and PriceGuard pdf 418kb ('Covers') are subject to the terms, conditions and exclusions (for example, claim limits) contained in the policy document. You must read the policy document to ensure the Covers fit your requirements. The Covers are provided to Platinum cardholders by Cigna Life Insurance New Zealand Limited ('Insurer') pursuant to an agreement with BNZ, under which BNZ makes the Covers available to Platinum cardholders. BNZ does not underwrite the Covers, is not an agent of the Insurer, and does not guarantee the obligations of the Insurer.

  8. Based on a comparison between the average number of points collected from 1 April 2017 to 31 March 2018 on Fly Buys accounts that include points for spend with one or more Fly Buys earning BNZ credit cards and the average number of points collected over that period on accounts that did not include any points for spend with a Fly Buys earning BNZ credit card.

  9. BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. Download a copy of the BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1.7MB, or pick up a copy from a BNZ store. Investments made in the BNZ KiwiSaver Scheme do not represent deposits or other liabilities of BNZ or any other member of the National Australia Bank Limited group, and are subject to investment risk, including possible delays in repayment and loss of income and principal invested. None of BNZ, any other member of the National Australia Bank Limited group, the Supervisor, any director of any of them, the Crown or any other person guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or the repayment of capital.

  10. Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Lite Visa, BNZ Visa Classic, BNZ Visa Platinum and BNZ Flexi Debit Visa. BNZ credit card and Flexi Debit Visa card terms and fees apply when you use your card in Google Pay or Apple Pay.

BNZ credit card terms and conditions PDF 342KB
BNZ Platinum card Insurances PDF 140KB
BNZ Platinum card Insurances FAQs PDF 208KB