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Cash Rewards can be used for anything

Earn Cash Rewards with a BNZ Advantage Visa card that you can use or save towards coffee, dinner, holidays, or anything else. 

Plus with a new BNZ Advantage Visa, you could get extra rewards.*(T&Cs apply)

  • $150 extra cash back with Advantage Visa Platinum when you spend $2,500 in the first three months.
  • $75 extra cash back with Advantage Visa Classic when you spend $1,500 in the first three months.

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 $75 cash back or 500 Fly Buys points when you spend $1,500 in the first three months.*

Rewards are earned on eligible purchases^ and deposited into your nominated Cash Rewards/Fly Buys account monthly.


  • 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
  • Google Pay ready
  • Apple Pay ready

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 $150 cash back or 1,000 Fly Buys points when you spend $2,500 in the first three months.*

Rewards are earned on eligible purchases^ and deposited into your nominated Cash Rewards/Fly Buys account monthly.


  • 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
  • Concierge service
  • Google Pay ready
  • Apple Pay ready
  • Extended warranty^
  • Purchase insurance^
  • PriceGuard^


2018 Canstar Outstanding Value - Rewards Credit Card

This award recognises our Advantage Visa Platinum credit card as offering outstanding value for our customers.

Rewards that work to your advantage

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Choose where your cash goes

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

Illustration Longtermsavings

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.

Illustration Flybuys1

Collect Fly Buys points twice

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