BNZ Advantage Visa Platinum is a rewards credit card that lets you earn BNZ Points^ on your everyday spending. These BNZ Points can be redeemed 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.^
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Open a new BNZ Advantage Visa Platinum before 12 February 2027, and you’ll pay no credit card account fees for the first 12 months.^ This includes:
With BNZ Rewards you’ll earn 1.67 BNZ Points^for every $1 spent, which can be:
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.^
BNZ Advantage Visa Platinum comes with travel benefits including international travel insurance, concierge service, and emergency travel assistance.
Get up to 90 days international leisure travel insurance.^ Check your cover before you leave New Zealand.
Use the concierge service to book a hotel, or make a last–minute dinner reservation, anywhere in the world.
Provides 24 hour medical services and advice when you’re travelling overseas.
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.
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.
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.
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.
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.
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.
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).
Lending criteria, terms and fees apply. Rates and fees are subject to change.
BNZ credit card terms and conditions (PDF 342KB)
BNZ Rewards programme terms and conditions apply.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
Google Pay is a trademark of Google LLC.