Choose your rewards, and how you spend them

Earn your choice of rewards, Fly Buys points^or Cash Rewards, by simply doing your everyday banking with us.  Deciding how to spend them could take longer.

Earning rewards is easy

Fly Buys or CashReards

Earn Fly Buys points or Cash Rewards on your everyday spending by using a BNZ Advantage credit card.^ 
Plus, you could boost your Fly Buys points with selected home loans and insurance options.

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Credit cards

You’ll earn rewards every time you swipe your BNZ Advantage personal or business credit card. Plus, you can collect two lots of Fly Buys points just by swiping your Fly Buys card in the same purchase at any Fly Buys retailer.^

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Home loans

We’re the only bank that rewards you with Fly Buys points on the outstanding balance of your home loan each month. Check out our Fly Buys home loans and find out how many Fly Buys points you could earn.

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Collect Fly Buys points simply by paying your fortnightly, monthly or annual premium. Just sit back and watch the points pile up. Take a look at our insurance options.


Foreign currency

You can collect 10 Fly Buys points when you purchase NZ$500 or more of foreign currency cash. Order your foreign currency online.

Spending rewards is even easier

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Fly Buys store

Sign in to using your Fly Buys number or login details, and access more than 3,000 items including exclusive deals for BNZ Fly Buys customers.  You can use your Fly Buys points, and if you need to, top up with cash to buy what you want at the best prices.

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Turn your Fly Buys points into BNZ KiwiSaver Scheme ^contributions. Every 108 Fly Buys points you convert is equal to a $20 contribution. Or set up your Cash Rewards to go to your BNZ KiwiSaver account each month, so you don't have to worry about making regular payments.

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Spend your Fly Buys points on travel vouchers with helloworld, and put them towards international and domestic flights, or luxury holiday packages, when it’s convenient for you. Or gift your travel vouchers to friends or family.

Choose how you want to be rewarded

BNZ Advantage cards give you the choice of rewards - Fly Buys points or Cash Rewards.

Watch your Fly Buys points grow

Earn Fly Buys points at the supermarket, the movies, or anywhere you spend with your BNZ Advantage card. Collect two lots of points at Fly Buys retailers, by  just paying with your BNZ Advantage card and swiping your Fly Buys membership card in the same purchase. Plus combine these with our home loan and insurance options that also earn Fly Buys points, and watch your Fly Buys points grow. 

On average, BNZ Fly Buys members collect 8 times as many Fly Buys points a year as other Fly Buys members^.

Use Cash Rewards for what you want

Use your Cash Rewards to buy what you want, when you want. Planning for a holiday, a new outfit or putting it away for something special in the future — you choose. After all, you’ve earnt it.

Reduce your credit card balance each month or save your Cash Rewards to a BNZ savings, everyday transaction, or BNZ KiwiSaver Scheme account^ and watch your savings grow.

It's easy to manage your Cash Rewards through Internet Banking.

Small Print

  1. Fly Buys terms and conditions apply.

  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. You can only collect two lots of Fly Buys points where you have chosen Fly Buys as your rewards.

  4. BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. Download a copy of the BNZ KiwiSaver Scheme Product Disclosure Statement PDF 1.7MB, or pick up a copy from a BNZ store. 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 Supervisor, 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.

  5. Based on a comparison between the average number of points collected from 1 April 2017 to 31 March 2018 on Fly Buys accounts that include points for spend with one or more Fly Buys earning BNZ credit cards and the average number of points collected over that period on accounts that did not include any points for spend with a Fly Buys earning BNZ credit card.