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BNZ Platinum

Get up to 90 days of international leisure travel insurance.

BNZ Platinum Visa

  • Earn Platinum Rewards points on purchases
  • Higher credit limit and spend-based account fee refund
  • Extra insurances to provide added purchase protection1
  • Exclusive Visa Platinum privileges

More detail

Get a low rate of 1%9 p.a. when you transfer to us

Transfer an existing credit or store card balance you have elsewhere to a credit card with us and all you'll pay is 1% p.a. for 12 months on that balance, when you also have your main income paid into one of our transaction accounts (like YouMoney). If you don't have a transaction account with us, we'll still give you 3.99% p.a. for 12 months on a transferred balance, whether you're new to BNZ or we already know you. Unfortunately, there are no loyalty points or interest free days on the amount you transfer and you can't transfer a balance from another one of our credit cards. Find out more.

More rewards

No card works harder at delivering rewards than BNZ Platinum Visa. You'll collect one Platinum Reward Point for every dollar you spend on purchases. These can be converted to Fly Buys points at a rate of 20 BNZ Platinum Reward Points to 1 Fly Buys Point.2 It's free to join Fly Buys and you can redeem your Fly Buys online for all sorts of rewards.

The freedom to make things happen

Your BNZ Platinum Visa comes with a significant credit limit. You'll have the freedom to seize opportunities and make spur of the moment decisions. With up to 55 days interest free on your purchases (provided you pay the full amount of the outstanding balance by its due date) using your BNZ Platinum Visa credit card can help optimise money management.

Platinum privileges

Platinum Visa gives you exclusive access to money can't buy experiences, be it tickets to gallery openings or backstage passes. For round the clock personal assistance you can call on Platinum concierge and with Front Line Access you'll have the opportunity to secure sought after tickets to selected events before pre-sales and before they go on sale to the general public.

Visit the Visa Platinum website to find out more.

International leisure travel insurance at no extra cost

As a BNZ Platinum Visa credit cardholder, you could be eligible for 90 Day Platinum Card International Leisure Travel Insurance on overseas travel of up to 90 days long3. Your Visa Platinum Concierge Service and emergency travel assistance are also just a phone call away, 24 hours a day.

For the full details of this insurance, please read the BNZ 90 Day Platinum Card International Leisure Travel Insurance Policy PDF 140KB.

Your purchases are protected

Your Platinum card comes with Extended Warranty, Purchase Protection, and PriceGuard insurances1.

  • Extended Warranty this can extend the warranty period beyond the manufacturer's original warranty on purchases you make with your card by up to 12 months1
  • Purchase Protection – can give you 90 days' insurance against theft, loss or damage on purchases you make with your card1
  • PriceGuard – when you buy something worth $150 or more with your card and then see it advertised somewhere else for less within 30 days of purchase, you could get the difference refunded up to a maximum of $1000 for each purchase1

For the full details of these insurances, please read the BNZ Platinum Visa Card Insurances PDF 140KB document.

Your account fee could be refunded

Your half-yearly account fee of $87.504 will be refunded if you have made purchases totalling $30,000 or more on your Platinum card since your last half-yearly account fee was charged.

Need cash in a hurry?

You can use your Platinum card to get a cash advance5 from ATMs here and overseas6. However, there's no interest-free period for cash advances8, so using your Platinum card to borrow cash is just like getting an instant loan.

Use your card to quickly pay for purchases

All BNZ chip Visa and MasterCard credit cards issued since 31st October 2012 have contactless technology, allowing you to use your card to quickly pay for purchases of up to $80 in New Zealand without a using a PIN.

Low minimum payment in case you need it

Each month, you can choose to pay as little as 2% or $25 of your outstanding balance (plus any overlimit or overdue amount), whichever is greater. We recommend that you repay as much of the outstanding monthly balance as possible, as you will be charged the current applicable interest rate on any remaining balance unpaid, but it's nice to know that the minimum payment option is there when you need a bit more flexibility.

Security to protect you from fraud

Our credit cards come with security features to help protect you from credit card fraud when you make purchases online and over the counter. We also have world-leading technology, LENSecure, that updates your credit card information with every balance enquiry, mini statement or cash advance5 at a BNZ ATM. This helps protect your card from counterfeit fraud.

Visa and MasterCard also come with added security, so you can feel more secure when you use your credit card to buy online. Find out more about using your Visa or MasterCard when shopping online.

View more tips on using and managing your credit card.

Exclusive offers with Visa

Get exclusive entertainment offers with your Visa card through Visa Entertainment, including ticket pre-sales for concerts.

  Rates and fees
Card type8 Platinum Visa
Interest rates
Purchase interest rate View rates here
Cash advance interest rate View rates here
Interest free days
Interest free days Up to 55 days interest free
Card charges5
Account fee $87.50 half yearly
Joint/additional account fee No charge
Miscellaneous charges
Foreign currency service fee7 2.25% of the NZ dollar value of every Foreign Currency Transaction (as defined in the relevant credit card terms and conditions). The Bank does not charge a foreign currency service fee on purchase reversals (which does not include purchase refunds (on which we charge a foreign currency service fee)), ATM reversals and chargebacks, and credits a foreign currency service fee that is calculated as a percentage of the New Zealand dollar value of the reversal or chargeback.
Late payment fee $15.00
Over limit fee $20 per statement (on each statement until the account is back within its limit)
Replacement card9 $Nil
Statement copy $Nil
Voucher copy $Nil
Cash advance fees6
Electronic via NZ BNZ ATM, Telephone Banking or Internet Banking $1.0010
Electronic via NZ non-BNZ ATM $2.0010
Teller assisted $5.0010
All overseas transactions $7.5010


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