Spread your wings further with extra cash back

Offer extended — apply by 30 November and be approved for a BNZ Advantage Visa Platinum or Classic card, and you could be eligible to get up to $150 bonus cash back or 1000 Fly Buys points^.  Minimum spend criteria apply.*

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
  • Android 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

$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
  • Android Pay-ready^
  • Travel insurance days^Up to 90 days
  • Concierge service
  • Extended warranty^
  • Purchase insurance^
  • Price guard^
Apply for BNZ Advantage Visa Platinum

Get extra cash back or Fly Buys points

Offer extended — apply by 30 November and be approved for a BNZ Advantage Visa Platinum or Classic card.

Advantage Visa Classic

Spend a minimum of $1,500 in the first 3 months to get your choice of a bonus $75 cash back or 500 Fly Buys points.*

Advantage Visa Platinum

Spend a minimum of $2,500 in the first 3 months to get your choice of a bonus $150 cash back or 1000 Fly Buys points.*

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.  

Use it with Android Pay

Add your Flexi Debit Visa and eligible Visa credit cards to your Android device and discover the latest way to pay^^. Find out more

Get it on Google Play

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.

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

Small Print

*BNZ Advantage Bonus Reward Offer:

The best Cash Rewards rate in New Zealand is only available on the BNZ Advantage Visa Platinum credit card.

To be eligible for the Bonus Reward (defined below):

A) Offer has been extended. You must apply for a new BNZ Advantage Visa Platinum (“Platinum”) or BNZ Advantage Visa Classic (“Classic”) credit card by 30 November 2017 and be approved. For the avoidance of doubt, the offer does not apply to BNZ Advantage Visa Business or if your current BNZ credit card account is switched to a Platinum or Classic credit card; and

B) Your card account must remain open, you must not switch to another credit card and you must comply with your card’s terms and conditions throughout the term of the offer.

C) Spend $2,500 (for Platinum card holders) or $1,500 (for Classic card holders) on Eligible Purchases (defined below footnote 1) with your new approved card in your first three monthly statements.

If you meet the eligibility criteria above, you will receive one of the following within 60 days of receiving your third monthly statement (“Bonus Reward”):

  • For Platinum card holders, $150 Cash Rewards or 1000 Fly Buys points (whichever you have chosen); or
  • For Classic card holders, $75 Cash Rewards or 500 Fly Buys points (whichever you have chosen).

Your Bonus Reward (if you are eligible for it) will be in the reward type (either Cash Rewards or Fly Buys points) that you had selected at the time we assess your eligibility.  To ensure that you receive it in the reward type of your choice, please ensure that you have that reward type selected from the end of your third monthly statement until you receive your Bonus Reward.

The Bonus Reward will be governed by the Cash Rewards or Fly Buys terms and conditions (whichever you have chosen).

  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. BNZ credit card and BNZ Flexi Debit Visa terms and fees apply, and these are subject to change. To use Android Pay, you need an NFC-enabled Android™ device (KitKat 4.4+), the BNZ Mobile Banking app and an eligible BNZ Visa credit or Flexi Debit Visa card. Android Pay can only be used at outlets that accept contactless payments, and online when activated by the merchant. Android, Android Pay, Google Play and the Google Play logo are trademarks of Google Inc.  Mobile coverage and data are required to access BNZ online services and the BNZ Mobile Banking app. If you upgrade your EFTPOS card to a Flexi Debit Visa, your PIN should be transferred provided you have made a recent PIN activated transaction.  To activate your card, use your existing PIN at an ATM or EFTPOS terminal in New Zealand, before using Android Pay.  If you have a new eligible Visa credit or Flexi Debit Visa card, you will need to go into a BNZ store to load a PIN before Android Pay will work.

  5. Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Flexi Debit Visa, BNZ Lite Visa, BNZ Visa Classic, and BNZ Visa Platinum.

  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 ('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 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.

  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.

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