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

Pick how you want to be rewarded

Fly Buys points

On average, BNZ Fly Buys members collect 7 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^.

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.

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.*

Credit cards help and support

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. 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.

  6. Purchase Protection, Extended Warranty and PriceGuard pdf 418kb ('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.

  7. 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.

  8. 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