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Get up to $250 cash back to use however you want

Apply for a new BNZ Advantage Visa card and you could get:

  • $250 Cash Rewards or 1,500 Fly Buys points with Advantage Visa Platinum*  
  • $100 Cash Rewards or 750 Fly Buys points with Advantage Visa Classic*

Choose how you want to be rewarded

BNZ Advantage Visa Classic

Choose Cash Rewards or Fly Buys points

$150 spend = $1 Cash Reward
$40 spend = 1 Fly Buys point

Plus, get an extra $100 cash back or 750 Fly Buys points when you spend $1,500 in the first three months.*


  • 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

BNZ Advantage Visa Platinum

Choose Cash Rewards or Fly Buys points

$90 spend = $1 Cash Reward
$15 spend = 1 Fly Buys point

Plus, get an extra $250 cash back or 1,500 Fly Buys points when you spend $2,500 in the first three months.*


  • 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 days^Up to 90 days

Reward yourself with the best cash back rate in New Zealand

You’ll earn $1 Cash Reward for every $90 you spend on a BNZ Advantage Visa Platinum – the best cash back card in the country.

Rewards that work to your advantage

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Choose where your cash goes

Use your Cash Rewards to treat yourself, put it towards your credit card, or watch it grow in your KiwiSaver account - it’s up to you. Our Advantage Visa Platinum has the best cash back rate in New Zealand.

 

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Perks for travellers

BNZ Advantage Visa Platinum also includes up to 90 days’ travel insurance, and a concierge service, which you can use to book a hotel or make a last–minute dinner reservation, anywhere in the world.

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Earn twice with Fly Buys

Earn more Fly Buys points by using your BNZ Advantage Visa to pay when you swipe your Fly Buys card. BNZ Fly Buys members collect 8 times more points a year on average than other Fly Buys members.^

 

Start paying with your phone

With a BNZ Advantage card, you can pay in stores, apps and online with Apple PayTM or Google PayTM. Download the BNZ Mobile Banking app to get started.

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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):

  1. You must apply for a new BNZ Advantage Visa Platinum (“Platinum”) or BNZ Advantage Visa Classic (“Classic”) credit card by 30 September 2018 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;
  2. 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; and 
  3. Spend $2,500 (for Platinum card holders) or $1,500 (for Classic card holders) on Eligible Purchases (defined below footnote 2) 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 30 days of receiving your third monthly statement (“Bonus Reward”):
  • For Platinum card holders, $250 Cash Rewards or 1500 Fly Buys points (whichever you have chosen); or
  • For Classic card holders, $100 Cash Rewards or 750 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. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see support.apple.com

  7. 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.

  8. Based on a comparison between the average number of points collected from 1 April 2017 to 31 March 2018 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.

  9. 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