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.

Double Rewards for 6 months. Get a BNZ Advantage Visa card

Work your credit card to your advantage by getting either a BNZ Advantage Visa Platinum or Visa Classic card. Pick your choice of Cash Rewards or Fly Buys points and earn Double Rewards? for 6 months whenever you shop online, overseas, or at the supermarket. 

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

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 5x 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.

  1. Double Rewards offer is only available with BNZ Advantage Visa Classic and BNZ Advantage Visa Platinum credit cards. Read full terms and conditions

  2. 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.

  3. 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.

  4. Balance transfer terms and conditions apply

  5. 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 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.

  6. Based on a comparison between the average number of points collected from 1 October 2014 to 30 September 2015 by Fly Buys members who collected one or more points for spend with BNZ and Fly Buys members who did not collect any points for spend with BNZ.

  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. BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. An Investment Statement is available on www.bnz.co.nz or at BNZ stores. 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 Trustee, 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.

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