Cards that could reward you with almost anything

Only a BNZ Advantage credit card gives you the choice of earning Fly Buys points or Cash Rewards. So you get to choose almost any reward you can think of. 

Apply for Advantage 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
  • Purchase interest rate-% p.a.
  • Cash advance interest rate-% p.a.
  • Account fee$20 half yearly
  • Joint/additional
    account fee$6 half yearly
  • Balance transfer^-% p.a. for 12 months
  • Interest–free daysUp to 55 days
Get BNZ Advantage Classic
BNZ Advantage Visa Platinum
Choose your rewards
Fly Buys points^ or Cash Rewards

$15 spend = 1 Fly Buys point

$75 spend = $1 Cash Reward


Rewards are earned on eligible purchases^
Platinum Features
  • Purchase interest rate-% p.a.
  • Cash advance interest rate-% p.a.
  • Account fee$72.50 half yearly
  • Joint/additional
    account fee$10 half yearly
  • Balance transfer^-% p.a. for 12 months
  • Interest–free daysUp to 55 days
  • Travel insurance days^Up to 90 days
  • Concierge service✓
  • Extended warranty^✓
  • Purchase insurance^✓
  • Price guard^✓
Get BNZ Advantage Visa Platinum

Change your card type or increase your limit

You can change to a different credit card or increase your credit card limit online.

Pick how you’d like to be rewarded

If collecting Fly Buys points is your style, or if you prefer a monthly deposit of cash to your nominated BNZ account, you get to decide your favourite way to be rewarded and have the ability to switch at any time. 

The easy way to boost your Fly Buys points

No fuss

Link your Fly Buys membership number to your BNZ Advantage card, and watch the points pile up. BNZ Advantage credit card customers earn, on average, 7 times more Fly Buys points than other Fly Buys members^.

Collect points twice

Collect two lots of Fly Buys points when you shop at Fly Buys retailers – just pay with your BNZ Advantage card and swipe your Fly Buys membership card in the same purchase.

Spend your Fly Buys points

Turn your Fly Buys points into rewards at flybuys.co.nz — there are more than 3,000 to choose from. You can also convert your points into contributions to the BNZ KiwiSaver Scheme.^

Freedom to spend or save your Cash Rewards

Spend cash on what you want

Planning a holiday, or just want to treat yourself? When you choose Cash Rewards you’ll receive a monthly cash deposit into your BNZ account and there’s no limit on how you can choose to spend it.

Reduce your card balance

You can choose to reduce your card balance, by having your Cash Rewards  paid to your credit card. You'll reduce the monthly balance owing on your card, although your minimum monthly payment won't change.

Save your cash for later

You can choose to have your Cash Rewards paid into a BNZ savings or BNZ KiwiSaver Scheme account^ and watch your rewards grow from month to month.

Let your concierge sort out the details

If you're a Platinum cardholder, let the concierge book you a hotel, or make a last–minute dinner reservation, anywhere in the world.

Learn more

Peace of mind when you need it

Emergency travel assistance 24 hours a day, every day of the year. Learn more.

Complimentary travel insurance

Platinum cardholders get travel insurance at no extra cost.^ You can even get cover for family travelling with you.  How to activate your credit card travel insurance.

You're 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.

Extended warranty cover

Get up to 12 months extra warranty cover on purchases you make with your Platinum card.^

Lowest price guarantee

Paid for something over $150 with your Platinum card then seen it cheaper elsewhere? Tell us within 30 days and we’ll refund the difference.^

Compare credit card rates, fees, & benefits

See every rate and fee for each of our cards, so you can choose the card that’s right for you.

cards compare v5

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

  1. 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.

  2. 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.

  3. Balance transfer terms and conditions apply. 

  4. 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.

  5. Purchase Protection, Extended Warranty and PriceGuard ('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.

  6. Based on a comparison between the average number of points collected from 1 July 2015 to 30 June 2016 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.

  7. 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.

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

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