Get rewarded every day

Earn BNZ Rewards on your everyday banking without having to lift a finger. As part of our BNZ Recognition programme, you’ll enjoy preferential service based on your commitment to us.

Rewards from the moment you join

Fly Buys or CashReards

Take your pick between earning Fly Buys points^ or Cash Rewards with a BNZ Advantage credit card^, plus earn Fly Buys points on select BNZ home loans and insurance options so you could have a mixture of both.
More about how to earn and spend your rewards

Illustration Earnwhilespending


Earn on your day-to-day spending when you pay for things with your BNZ Advantage credit card. Choose from Cash Rewards or Fly Buys points. BNZ Fly Buys members collect 7 times as many Fly Buys points a year as other Fly Buys members^.

Illustration Flybuys1


Supercharge your Fly Buys points by collecting two lots of points at Fly Buys retailers — just pay with your BNZ Advantage credit card and swipe your Fly Buys membership card in the same purchase. Not a Fly Buys member? Join now.

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Save or treat

You’re able to use your rewards just about any way you can imagine. Turn your points into treats from the Fly Buys store, spend Cash Rewards on something special, or save them to a nominated BNZ account and watch them grow.

The longer you stick with us, the better it gets.

Banking isn’t a one size fits all, and neither is your relationship with us. That’s why, as part of the BNZ Recognition programme, we don’t just look at your account, we award Recognition status based on four key criteria.  We’ll be in touch to invite you to join as soon as you qualify.

deposits & Lending

We’ll take into consideration your total deposits, home lending and credit card spend. 


Recognition for the number of different banking products you have with us.


Acknowledgement of banking with us for the long term. 

Money habits

Consideration for being good with money, like reaching goals or paying off debt.