Cards that reward you with choice
With a BNZ Advantage credit card you choose what rewards you earn, Cash Rewards or Fly Buys points.
BNZ Advantage Classic
Choose your rewards
Fly Buys points or Cash Rewards
$150 spend = $1 Cash Reward
$40 spend = 1 Fly Buys point
Get an extra $75 cash back or 500 Fly Buys points when you spend $1,500 in the first three months. (T&Cs apply)
Rewards are earned on eligible purchases^ and deposited into your nominated Cash Rewards/Fly Buys account monthly.
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)✓
BNZ Advantage Visa Platinum
Choose your rewards
Fly Buys points or Cash Rewards
$90 spend = $1 Cash Reward
$15 spend = 1 Fly Buys point
Get an extra $150 cash back or 1,000 Fly Buys points when you spend $2,500 in the first three months. (T&Cs apply)
Rewards are earned on eligible purchases^ and deposited into your nominated Cash Rewards/Fly Buys account monthly.
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
- Travel insurance daysUp to 90 days
- Concierge service✓
- Google Pay-ready✓
- Apple Pay-ready✓
- Extended warranty^✓
- Purchase insurance^✓
- PriceGuard^✓
2018 Canstar Outstanding Value - Rewards Credit Card
This award recognises our Advantage Visa Platinum credit card as offering outstanding value for our customers.
Pick how you want to be rewarded
Fly Buys points
On average, BNZ Fly Buys members collect 8 times more Fly Buys points a year than 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.
Cash Rewards
Get cash back to spend on what you want, when you want. We’ll reward you monthly, you choose where it goes.
- 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.
Get 50% more rewards on travel purchases
Earn 50% more Cash Rewards or Fly Buys points when you use your BNZ Advantage credit card at any airline; hotel, motel or resort; travel agency or tour operator. Offer runs until 31 March 2019.
Enjoy travel benefits with your BNZ Advantage Visa Platinum
Travel Insurance
Get up to 90 days 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.
Make the most of your card
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.
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 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.
Stay in control with the app
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.
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