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Paying your credit card balance

The easiest way to pay your credit card is online by making a transfer from your account in either Internet Banking or in the BNZ app. We have different methods of payment available as well.

Ways to make a payment to your credit card online 

Transferring between accounts

You can transfer money from any of your accounts in Internet Banking or on the BNZ app, to your credit card account (as you usually would transfer money between transaction accounts). 

Setting up an automatic payment 

You can set up an automatic payment to pay a set amount (that you choose), off your credit card at regular intervals.

You can set up an automatic payment in Internet Banking or in the BNZ app. 

Fill in the payee reference fields as following:

  • Particulars: Your name, as printed on your card.
  • Code: First 4 digits of your credit card number.
  • Reference: Last 12 digits of your credit card number.

Remember to check that your automatic payment covers at least the minimum payment each month so you don’t get charged a late payment fee. 

If you don’t have Internet Banking, you can print out and fill in the Authority for automatic payments form PDF 127KB and take it into your nearest BNZ branch.

Paying in person

You can pay in person at any BNZ branch either at the counter, or by using an ATM.

Our network of Smart ATMs can accept credit card payments by cash, cheque, or a combination of both. All you need is your credit card and our Smart ATMs will do the rest.

Find a branch or ATM

Paying from another bank

If you have telephone or internet banking with another bank, you can set up a bill payment from the other bank to pay your BNZ credit card, or you could set up an automatic payment.

We’ve given your bank our payment details. When you set up a payment, you can just choose a BNZ credit card from the existing payee list and enter your credit card number as instructed.

Paying by mail

From 28 August 2020, you won’t be able to post a cheque to pay your credit card balance. Find out more

Until 28 August 2020, you can post us your payment along with the ‘payment advice’ section, which is at the bottom of your statement. The address to send the payment will be on the statement.

Make sure you post it so the payment gets to us before the payment due date. 

Find a branch or ATM

Paying by direct debit

You can set up a direct debit from any of your accounts to pay some of the amount, the whole credit card bill, or the minimum payment. The payment is taken automatically from the account you choose each month. A direct debit means you won’t miss any payments.

If you’re likely to set up a direct debit, fill out the direct debit for credit cards form PDF 83KB and send it back to the address on the form. Or you can call us on 0800 800 667 and we’ll send a form to you.

Where to mail your direct debit form:

FreePost 331,
PO Box 3000,