Low interest rate
Keep your credit card costs down with our lowest purchase interest rate card.
Pay less interest with a BNZ Lite Visa
Our simplest card is low maintenance and goes easy on your wallet with its low purchase interest rate and lean fees.
Most BNZ customers can apply for a Lite Visa through Internet Banking or the BNZ app.^
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Lite Visa features
Interest and fees explained
Simple repayments
Managing your repayments is easy with our Lite Visa. The minimum monthly repayment is 2% of your balance or $25 – whatever is more.
Key details
- 13.50% p.a. purchase interest rate^
- 22.95% p.a. cash advance rate^
- $5 half-yearly account fee
- Up to 55 days interest free^
- $500 minimum limit
- Apple Pay and Google Pay™ ready
Peace of mind when you need it
World-leading card security
Our liquid encryption technology updates the security information on your card’s magnetic strip every time you use it at a BNZ ATM. This helps us detect if your card has been copied without your knowledge.
You’re covered for fraud
Our zero fraud liability guarantee means we’ll repay any transactions you didn’t make, so you don’t lose out as long as you’ve complied with your card’s terms and conditions.
Protect your online purchases
With NetPromise, if you buy something online and don’t receive it, or you return it and don’t get a refund, we can help you get your money back if you let us know within 30 days^.
Depositor Compensation Scheme
Positive balances held on a BNZ Visa are covered under the Government’s Depositor Compensation Scheme. The scheme covers up to $100,000 of your money in the unlikely event of a failure.
Credit cards help and support
If your card is lost or stolen call us on 0800 735 901, or call us on +64 4 473 5901 from overseas.^