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 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*
BNZ Low Rate Mastercard 13.45% 22.95% 0%
for 12 months*
Activator Mastercard 20.95% 20.95% 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 HomeAdvantage

5.30%
Tier 1^

13.45%
Tier 2^

15.95%
Tier 1^

22.95%
Tier 2^

 n/a
BNZ Advantage Classic Mastercard

20.95%

22.95%

0% for 6 months*

*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 55 $19.95 half yearly $1.50 half yearly $5
BNZ Classic Everyday $15 half yearly $1.50 half yearly $5
BNZ Classic Fee Saver $15 half yearly^
$1.50 half yearly $5
BNZ Low Rate Mastercard $17.50 half yearly $1.50 half yearly  $5
Activator Mastercard $2 per month
if debit transaction(s)
made within statement cycle
No charge $5
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 HomeAdvantage No charge No charge $5
BNZ Advantage Classic Mastercard $20 half yearly $6 half yearly $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 and $2 to use another bank’s ATM. Staff-assisted cash advances in NZ will cost $3. The cash advance fee doesn’t apply to overseas withdrawals^.

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 Visa Platinum cards. 

Rewards and benefits

CardRewards
Travel insurance dates^
Concierge service
BNZ Classic $50 = 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 - - -
BNZ Low Rate Mastercard - - -
Activator Mastercard - - -
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 HomeAdvantage - - -
BNZ Advantage Classic Mastercard $150 spend = $1 Cash Reward
 $40 spend = 1 Fly Buys point
- -

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 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
BNZ Low Rate Mastercard 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 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 HomeAdvantage Up to 55 days 2 2% or $25
whichever is more
- - - $2,000
BNZ Advantage Classic Mastercard Up to 55 days 2 2% or $25
whichever is more
- - - $2,000