Cards that could reward you with almost anything

Only a BNZ Advantage 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.

Get the rewards you want

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

Learn with the Card Pros

Pro tip #1 The Cash & Fly

Choosing to earn Cash Rewards means you can use those rewards to fly on any airline you like, no restrictions, allowing you to take advantage of the best travel deals on offer.

Pro tip #2 The Double Dip

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

Pro tip #3 The Bill Pick Up

Dining out with a group of friends? Offer to pick up the whole bill, then collect all the rewards for yourself.

Purchase a BNZ Advantage Dining membership at bnzadvantage.co.nz/dining. Privileges include a 20% discount up to a max of $25 per use at selected restaurants across New Zealand.

Pro tip #4 The Fund Grower

Choose to have your Cash Rewards deposited into a BNZ transactional, savings, or BNZ KiwiSaver Scheme account^ so your everyday shopping can build a nest egg for your family's future.

Find out how to set up or change the account your Cash Rewards are paid into.

Looking for other cards?

Can't find your card? See our rates and fees for cards that are no longer on sale.

Interested in cards for your business? Check out our range of business cards.

A zero percent rate is smart. A zero balance is even smarter

Switch to a BNZ credit card and you could get 0% p.a. for 12 months on balances transferred from a non-BNZ credit or store card. Conditions apply. After 12 months the standard purchase interest rate will apply to transferred balances.

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.

Compare BNZ credit cards

Fly Buys points or Cash Rewards — you choose

Whether you have a Classic or Platinum card, you'll have the freedom to choose either Fly Buys points or Cash Rewards - and switch between them as often as you like.

Watch your Fly Buys points grow

On average, BNZ Fly Buys members collect 6x as many Fly Buys points a year as other Fly Buys members^.

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No fuss

Collecting Fly Buys points is easy and hassle free. Simply link your Fly Buys membership number to your BNZ Advantage card, and watch the points pile up.

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Collect points twice

You can 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. Calculate the Fly Buys points you could earn.

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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, or redeem them at bnzadvantage.co.nz. You can also convert your points into contributions to the BNZ KiwiSaver Scheme.^

Cash to buy, cash to fly, cash to save

Use your Cash Rewards for what you want now, or save them for later.

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Spend cash on what you want

Planning a holiday, some DIY, or just want to treat yourself? Use your Cash Rewards to help you get what you want, when you want it.

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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.

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Save your cash for later

You can choose to have your Cash Rewards paid into a BNZ savings, everyday transaction, or BNZ KiwiSaver Scheme account.^ Watch your Cash Rewards grow each month.

Exclusive rewards

If you're a BNZ Advantage cardholder you'll get exclusive rewards at bnzadvantage.co.nz. Whether it’s holiday packages, exclusive shopping, dining benefits, or experiences like the chance to play golf on one of New Zealand's premier courses — you'll unlock a world of choice at bnzadvantage.co.nz.

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.

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Complimentary travel insurance

Platinum cardholders get travel insurance at no extra cost.^ You can even get cover for family travelling with you.

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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.

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Extended warranty cover

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

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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.^

Small Print

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