Credit cards that earn rewards

With a BNZ Advantage Visa you’ll earn BNZ Points which you can redeem for rewards such as travel, eGift cards, or cash back to an eligible BNZ account.

Most BNZ customers can apply for a credit card through Internet Banking or the BNZ app.

How to apply

Compare rewards cards

Advantage Visa Classic

Earn rewards on your everyday spending

Classic features
  • $20 half-yearly account fee
  • $6 half-yearly joint/additional card fee
  • $500 minimum credit limit
  • 20.95% p.a. purchase interest rate
  • 22.95% p.a. cash advance interest rate
  • Up to 55 interest-free days
  • Google Pay-ready
  • Apple Pay-ready
BNZ Rewards
  • $1 spent = 1 BNZ Point
  • Joint cardholders split any rewards they earn 50/50.
Apply for BNZ Advantage Visa Classic

Advantage Visa Platinum

Earn rewards at a higher rate and enjoy travel benefits

Platinum features
  • $45 half-yearly account fee
  • $10 half-yearly joint/additional card fee
  • $8,000 minimum credit limit
  • 18.95% p.a. purchase interest rate
  • 18.95% p.a. cash advance interest rate
  • Up to 55 interest-free days
  • Google Pay-ready
  • Apple Pay-ready
  • Up to 90 international travel insurance days
  • Domestic rental vehicle excess insurance
  • Emergency travel assistance
  • Concierge service
BNZ Rewards
  • $1 spent = 1.67 BNZ Points
  • Joint cardholders split any rewards they earn 50/50.
Apply for BNZ Advantage Visa Platinum

BNZ Rewards programme

With BNZ Rewards you’ll earn BNZ Pointswhich can be:

  • redeemed for travel including flights, hotels, and rental cars worldwide
  • transferred to other participating partner loyalty programmes including airlines and hotels
  • redeemed for eGift cards delivered instantly via email
  • redeemed for cash back to an eligible BNZ account.

View your BNZ Points balance, latest offers, recent activity and ways to redeem your BNZ Points, by logging in to your Internet Banking or BNZ app.

How to manage BNZ Rewards online

Advantage Visa Platinum travel benefits

Concierge service

Use the concierge service to book a hotel, or make a last–minute dinner reservation, anywhere in the world.

Make the most of your card

Make payments with your mobile

Breeze through the checkout in stores, apps and online by making mobile payments. Just add your eligible BNZ Visa credit cards to Apple Pay or Google Pay™ and you’re good to go.

Shop online or overseas

Use your card to buy things when you’re overseas. Let us know your travel plans before you go, so we can protect your cards and transactions better while you’re away. Our credit cards have extra security features to help protect you when you shop online.

Stay in control with the app

Manage your credit card settings in the BNZ app. You can block your card if you’ve misplaced it, then unblock it once it’s safely back in your hands. You can also turn Visa payWave on or off in the app.

We’ve got you covered for fraud

Our zero fraud liability guarantee means we’ll repay any transactions that you didn’t make as long as you’ve complied with your card’s terms and conditions.

How we protect your cards
Small Print

Lending criteria, terms and fees apply. Rates and fees are subject to change.

  1. BNZ Points are earned on eligible purchases, which exclude cash advances, balance transfers, interest charges, bank fees, gambling, betting or lottery transactions, unauthorised transactions for which you are not liable, transactions with securities brokers or dealers, transactions for cryptocurrency and contracts for difference.

  2. BNZ Points can be redeemed for cash back to any BNZ account that you can transfer funds to directly through Internet Banking or the BNZ app. If you’re making a cash back redemption to a credit card account, the cash back will not contribute to the minimum payment due, or the total minimum payment due on the credit card. A minimum of 200 BNZ Points (and multiples of 100 BNZ Points) must be redeemed. Any leftover BNZ Points stay in your account.

  3. To apply for a BNZ credit card through Internet Banking or the BNZ app, you’ll need to be a New Zealand citizen or permanent resident. You’ll also need to be 18 years or older and receiving an income of $15,000 or more per year. 

  4. This rate is variable and can change at any time, including after you enter into your contract. BNZ will publicly announce any changes to variable interest rates. Changes take effect from the start of the next statement period.

  5. You must always pay the full current balance shown on each statement by the due date to take advantage of the interest-free days on purchases.  For more information, visit Understanding Interest Charges

  6. BNZ Advantage Visa Platinum – Credit Card Insurances (PDF 245KB) (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Advantage Visa Platinum cardholders by AIG Insurance New Zealand Limited(‘Insurer’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of the Insurer, and does not guarantee the obligations of the Insurer. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

  7. Cover for the excess you become legally liable to pay in the event your rental car is damaged or stolen during the rental and you paid for the rental using your Advantage Platinum Visa. Coverage is subject to the terms and conditions, including any applicable limitations and exclusions of the insurance policy.

  8. You’ll need the latest version of the BNZ app. If you can’t access BNZ Rewards, check to see if you have a compatible Apple or Android device. Internet access is required. BNZ Internet Banking terms and conditions apply. Maintenance is sometimes required.

BNZ credit card terms and conditions (PDF 342KB)

BNZ Advantage Visa Platinum Credit Card Insurances (PDF 245KB)

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