Enjoy the freedom of choice

BNZ Advantage is our new rewards programme that gives you the freedom to choose Cash Rewards or Fly Buys points.

You can register your interest now for BNZ Advantage and we'll be in touch as soon as it is available.

Cards that reward you the way you want

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

$150 spend = $1 Cash Reward

$40 spend = 1 Fly Buys point

Classic Features
  • Purchase interest rate1-% p.a.
  • Cash advance-% p.a.
  • Account fee2$20 half yearly
  • Joint/additional
    account fee$6 half yearly
  • Balance transfer3-% p.a. or -% p.a.
    p.a. for 12 months

  • Interest free daysUp to 55 days
BNZ Advantage Visa Platinum
Choose your rewards
Cash Rewards or Fly Buys points

$75 spend = $1 Cash Reward

$15 spend = 1 Fly Buys point

Platinum Features
  • Purchase interest rate1-% p.a.
  • Cash advance-% p.a.
  • Account fee2$72.50 half yearly
  • Joint/additional
    account fee$10 half yearly
  • Balance transfer3-% p.a. or -% p.a.
    p.a. for 12 months

  • Interest free daysUp to 55 days
  • Travel insurance days4Up to 90
  • Concierge service
  • Extended warranty5
  • Purchase insurance5
  • Price guard5

Exclusive rewards

If you're a BNZ Advantage customer you get exclusive offers at bnzadvantage.co.nz. Whether it’s holiday packages, exclusive shopping or dining offers, indulgence or once-in-a-lifetime experiences —you can unlock a world of choice.

Register your interest

Get a BNZ Advantage card for your business

Find out about BNZ Advantage Visa Business card coming soon.

Small Print

  1. Interest rates and earn rates are subject to change. Please see our public notices for information on any upcoming rate changes.
  2. Account fees are subject to change.
  3. Balance transfer terms and conditions apply. Balance transfers are not eligible for rewards, and there are no interest free days. The minimum balance transfer amount is $500. Balance transfers are subject to approval, and terms and conditions apply. Only balances from New Zealand issued non-BNZ Visa, MasterCard, American Express, Diners, GE CreditLine, The Warehouse Financial Services Credit and Store Cards, Fisher & Paykel Finance issued Q Cards and Farmers Cards are eligible for the balance transfer rate. After the promotional period, any balance transfer amount still unpaid will revert to the standard annual purchase interest rate. BNZ reserves the right to increase the interest rate applying to the balance transfer. 
  4. 90 Day Platinum International Leisure Travel Insurance 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 criterial contained in the policy document. You should ready 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.

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