For shoppers who love Fly Buys

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We’re the only bank to reward you with Fly Buys points on every purchase you make with your card.1,2

Spend $ to earn Fly Buys

Visa: $50 = 1 Fly Buys

MasterCard: $50 = 1 Fly Buys

American Express: $25 = 1 Fly Buys

Rewards are earned on eligible purchases2

A card that rewards the careful spender with Fly Buys points and low fees.

Classic Features
  • Purchase interest rate3 -% p.a.
  • Account fee4$15.00 half-yearly
  • Interest-free daysUp to 55 days
  • Minimum limit$500
  • Advanced card security
  • Emergency travel assistance
Get BNZ Classic
Spend $ to earn Fly Buys

$1 = 1 Platinum Rewards Point

20 Platinum Rewards Points = 1 Fly Buys

Rewards are earned on eligible purchases2

A premium card for those who want to earn greater rewards.

Platinum Features
  • Purchase interest rate3-% p.a.
  • Account fee4$87.50 half-yearly5
  • Interest-free daysUp to 55 days
  • Minimum limit$8,000
  • Advanced card security
  • Emergency travel assistance
  • International travel
    insuranceUp to 90 days
  • Purchase insurances
  • Concierge service
Get BNZ Platinum

See every rate and fee for each of our cards, so you can choose the card that’s right for you.

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Watch your Fly Buys points tick up

You collect Fly Buys points with our credit cards whenever you spend, as well as when you shop at Fly Buys retailers. 

Earn Fly Buys points at the supermarket, the movies, or anywhere you spend with your credit card.

You’ll also collect your usual Fly Buys points when you swipe your Fly Buys membership card at Fly Buys retailers.

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No fuss

Collecting Fly Buys points is easy and fuss-free. Simply link your Fly Buys membership number to your credit card and watch the points pile up.

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Collect points twice

You can collect double Fly Buys points when you shop at Fly Buys retailers – once when you pay with your credit card and again when you swipe your Fly Buys membership card.

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Convert your Fly Buys

Turn your Fly Buys points into rewards in the online store – there are over 4,000 to choose from. Or convert them into contributions to the BNZ KiwiSaver Scheme6.

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Special bonus offers

Watch out for chances to collect double even triple points at Fly Buys retailers. Or collect even more points through Fly Buys competitions and giveaways.

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Supercharge your points

If you have an additional cardholder on your credit card account, you’ll collect Fly Buys points when they spend using their card as well.

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Free membership

It’s free to become a Fly Buys member. It only takes a few minutes to sign up and start collecting points.

On average, BNZ Fly Buys members collect 5x as many Fly Buys points a year as other Fly Buys members.^

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 for you, 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.8

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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.8

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Small Print

  1. Fly Buys terms and conditions apply. Fly Buys collection and redemption rates are subject to change without notice.  For further details visit 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. Interest rates are subject to change.
  4. Account fees are subject to change. An additional fee applies for an additional card / joint account.
  5. Waived if you spend more than $30,000 in 6 months. Spend $30,000 or more in a 6 month period and we’ll refund your next half yearly account fee and any applicable additional card fee.  Refunded back on your card if you spend $30K or more on purchases in the 6 months since your last half yearly fee charge. Purchases exclude Cash Advances, fees, interest, credit card insurance payments and balance transfers from non-BNZ accounts and BNZ accounts, but include purchases transacted during the relevant period that have been transferred from another BNZ credit card account when switching to a BNZ Visa Platinum card.
  6. 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 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.
  7. 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 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.
  8. 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.

^Based on a comparison between the average number of points collected from 1 June 2014 to 31 May 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. 

American Express® is a registered trademark of American Express Company.

BNZ lending criteria, terms and conditions and account fees apply.

Read our full credit card terms and conditions