Back to Rates and fees

Credit cards

If you have a credit card with us that is not on sale, you’ll find the rates and fees for your card below:

Rates (p.a.)^

CardPurchasesCash advancebalance transfer^
BNZ Classic 20.95% 22.95% 0%
for 6 months*
BNZ Classic Rewards Plus 20.95% 22.95% 0%
for 6 months*
BNZ Classic Rewards Plus 55 20.95% 22.95% 0%
for 6 months*
BNZ Classic Everyday 20.95% 22.95% 0%
for 6 months*
BNZ Classic Fee Saver 20.95% 22.95% 0%
for 6 months*
Lite Visa 13.90% 22.95% 0%
for 12 months*
Activator Mastercard 20.95% 20.95% 0%
for 6 months*
BNZ Gold 20.95% 22.95% 0%
for 6 months*
BNZ Gold Everyday 20.95% 22.95% 0%
for 6 months*
BNZ Gold Fee Saver 20.95% 22.95% 0%
for 6 months*
Premium Visa Gold 20.95% 22.95% 0%
for 6 months*
BNZ Platinum 18.95% 18.95% 0%
for 6 months*
Private Bank Visa Platinum 12.95% 12.95% 0%
for 6 months*
Limited Edition Visa Platinum 12.95% 12.95% 0%
for 6 months*
BNZ Advantage Gold 20.95% 22.95% 0%
for 6 months*
BNZ HomeAdvantage

5.90%
Tier 1^

13.45%
Tier 2^

15.95%
Tier 1^

22.95%
Tier 2^

 n/a

*After the interest-free period, the standard purchase interest rate will apply to transferred balances.

Fees^

CardAccount feeAdditional cardStatement copy
BNZ Classic $15 half yearly $1.50 half yearly  $5
BNZ Classic Rewards Plus $15 half yearly $4.95 half yearly $5
BNZ Classic Rewards Plus 55 $19.95 half yearly $4.95 half yearly $5
BNZ Classic Everyday $15 half yearly $4.95 half yearly $5
BNZ Classic Fee Saver $15 half yearly^
$1.50 half yearly $5
Lite Visa $15 half yearly $1.50 half yearly  $5
Activator Mastercard $2 per month
if debit transaction(s)
made within statement cycle
No charge $5
BNZ Gold $40 half yearly $12.50 half yearly No charge
BNZ Gold Everyday $40 half yearly $12.50 half yearly No charge
BNZ Gold Fee Saver $40 half yearly^
$12.50 half yearly No charge
Premium Visa Gold On application No charge No charge
BNZ Platinum $45 half yearly^ No charge No charge
Private Bank Visa Platinum On application No charge No charge
Limited Edition Visa Platinum $175 yearly^
No charge No charge
BNZ Advantage Gold $40 half yearly $12.50 half yearly No charge
BNZ HomeAdvantage No charge No charge $5

Plus these card fees:

Cash advances

For all cards except our Private Bank and Limited Edition Visa Platinum, you’ll pay $1 to use a BNZ ATM, internet or phone banking; $2 to use another bank’s ATM, and $7.50 if you use an overseas ATM. Staff-assisted cash advances will cost $3 in NZ and $7.50 overseas.

Late payments

If you’re late paying your credit card, a $2 late payment fee will apply. This fee doesn’t apply to Private Bank and Limited Edition Visa Platinum.

Over your limit

If you go over your credit card limit, it’ll cost $2 per statement - on each statement until the account is back within its limit. This fee doesn’t apply to Private Bank and Limited Edition Visa Platinum.

Foreign currency

We charge 2.25% of the NZ dollar value on every foreign currency transaction on all cards.

Voucher copy

If you ask for a copy of the sales voucher from a cash advance or purchase that you authorised, it'll cost you $25 per voucher.  This fee doesn't apply to Gold or Visa Platinum cards. 

Rewards and benefits

CardRewards
Travel insurance dates^
Concierge service
BNZ Classic $50 = 1 Fly Buys
MASTERCARD & VISA
- -
BNZ Classic Rewards Plus $40 = 1 Fly Buys
MasterCard & Visa
- -
BNZ Classic Rewards Plus 55 $40 = 1 Fly Buys - -
BNZ Classic Everyday $50 = 1 Fly Buys
MasterCard & Visa
- -
BNZ Classic Fee Saver - - -
Lite Visa - - -
Activator Mastercard - - -
BNZ Gold $40 = 1 Fly Buys
MasterCard & Visa
Up to 35 -
BNZ Gold Everyday $40 = 1 Fly Buys Up to 35 -
BNZ Gold Fee Saver - Up to 35 -
Premium Visa Gold $50 = 1 Fly Buys Up to 35 -
BNZ Platinum $1 = 1 Platinum reward
20 rewards = 1 Fly Buys
Up to 90
Private Bank Visa Platinum $1 = 1 Platinum reward
20 rewards = 1 Fly Buys
Up to 90
Limited Edition Visa Platinum $1 = 1 Platinum reward
20 rewards = 1 Fly Buys
Up to 90
BNZ Advantage Gold $100 spend = $1 Cash Reward
OR
$20 spend = 1 Fly Buys
Up to 35 -
BNZ HomeAdvantage - - -

Features

CardInterest free daysMax cards per accountMinimum monthly repaymentExtended warranty^
Purchase insurance^
Lowest price guarantee^
ATM cash advance limit per day^
BNZ Classic Up to 55
days
2 2% or $25
whichever is
more
- - - $2,000
BNZ Classic Rewards Plus Up to 44 days 2 2% or $25
whichever is more
- - - $2,000
BNZ Classic Rewards Plus 55 Up to 55 days 2 2% or $25
whichever is more
- - - $2,000
BNZ Classic Everyday Up to 55 days 2 2% or $25
whichever is more
- - - $2,000
BNZ Classic Fee Saver Up to 55 days 2 2% or $25
whichever is more
- - - $2,000
Lite Visa Up to 55 days 2 2% or $25
whichever is more
- - - $2,000
Activator Mastercard No interest free period 2 2% or $50
whichever is more
- - - $2,000
BNZ Gold Up to 55 days 2 2% or $25
whichever is more
$2,000
BNZ Gold Everyday Up to 55 days 2 2% or $25
whichever is more
$2,000
BNZ Gold Fee Saver Up to 55 days 2 2% or $25
whichever is more
$2,000
Premium Visa Gold Up to 55 days 2 2% or $25
whichever is more
$2,000
BNZ Platinum Up to 55
days
2 2% or $25
whichever is more
$7,500
Private Bank Visa Platinum Up to 55 days 2 2% or $25
whichever is more
$7,500
Limited Edition Visa Platinum Up to 55 days 2 2% or $25
whichever is more
$7,500
BNZ Advantage Gold
Up to 55 days 2 2% or $25
whichever is more
$2,000
BNZ HomeAdvantage Up to 55 days 2 2% or $25
whichever is more
- - - $2,000