An everyday card for everyday spending

With a BNZ Flexi Debit Visa you can have your money on-hand whenever you need it. Use it to shop online from your everyday account.

Flex it any way you like

Link your own accounts

Easily change the accounts that are linked to the CHQ and SAV options on your card in Internet Banking or the mobile app.

Breeze through checkout

Save time when buying things up to $80 without entering your PIN by using contactless or mobile payments

Shop online

Shop online anywhere that accepts Visa^. You can even link a separate account to your card for online purchases.

Super secure

BNZ Flexi Debit Visa comes with leading security technology and you can rest easy knowing you're protected against fraud.

Take it travelling

Use your card to shop overseas or get foreign cash out from ATMs^

Additional card perks

Get access to benefits such as emergency travel assistance, Visa Checkout, or exclusive entertainment offers.

Apple Pay. Your new, easy way to pay is here

Now you can pay for everything from takeout to taxis with your BNZ Flexi Debit Visa, eligible Visa credit cards^ and Apple PayTM.

Our everyday cards at a glance

BNZ Flexi Debit Visa

An everyday card you can use just about everywhere

  • Annual fee$10 (fee waived for first year^)
  • Contactless payments
  • Android Pay-ready^
  • Apple Pay-ready^
  • Online/Phone purchases^
  • Overseas use^Eftpos & ATMs
  • Fraud protection
  • Daily ATM withdrawal limit$2,000
  • Daily transaction limit$10,000
Upgrade to Flexi Debit Visa
BNZ Eftpos Card

A trusty back up for everyday spending

  • Annual fee$0
  • Contactless paymentX
  • Online/Phone purchases^X
  • Overseas use^ATMs with PLUS logo only
  • Fraud protectionX
  • Daily ATM withdrawal limit$2,000
  • Daily transaction limit$10,000
Ask for a card from a BNZ store

Small Print

Terms and fees apply. $10 annual card fee applies. Fees subject to change. For more information, please see the BNZ Flexi Debit Visa Terms and Conditions PDF 100KB BNZ Standard Terms and Conditions  264 KB, and our Personal Account, Service and Facility Fees guide PDF 132KB

  1. Online and phone purchases made on international orders charged in a foreign currency will incur a foreign currency service fee.

  2. Foreign currency service fees and overseas ATM withdrawal fees apply. Electronic transaction charges apply for Flexi Debit Visa purchases.

  3. Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Lite Visa, BNZ Visa Classic, BNZ Visa Platinum and BNZ Flexi Debit Visa. BNZ credit card and Flexi Debit Visa card terms and fees apply when you use your card in Android Pay or Apple Pay.

  4. 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 Flexi Debit Visa card, you will need to go into a BNZ store to load a PIN before Android Pay will work.

  5. 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

  6. $10 annual fee waived for the first 12 months when you get a BNZ Flexi Debit Visa at the time of opening a new YouMoney transaction account. After the first 12 months, you will be charged a $10 annual fee. 

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Android Pay is a trademark of Google Inc.