Cards that reward you with choice

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

Get $250 cash back with an Advantage Visa Platinum

You could get $250 extra cash back or 1,500 Fly Buys points with a new BNZ Advantage Visa Platinum card. Plus, you’ll get the best cash back card in New Zealand.

*Terms and conditions apply

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

$40 spend = 1 Fly Buys point

$150 spend = $1 Cash Reward


Get an extra $100 cash back or 750 Fly Buys points when you spend $1,500 in the first three months. (T&Cs apply)

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


Get an extra $250 cash back or 1,500 Fly Buys points when you spend $2,500 in the first three months. (T&Cs apply)

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
  • Travel insurance daysUp to 90 days
  • Concierge service
  • Google Pay-ready
  • Apple Pay-ready
  • 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 8 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 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 Pay™ or Google Pay™ 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.

block card

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