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BNZ Credit Cards

With low interest rates, rewards and premium options, compare BNZ credit cards and find one to suit your needs.


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BNZ credit cards can suit a range of Kiwi lifestyles and budgets. Depending on the card you choose, you can save on credit card costs or get rewards for your spending with Fly Buys or cash bonuses. You can now also choose between Visa and Mastercard, giving you even more options to consider.

BNZ is one of New Zealand’s largest financial institutions, and BNZ cards come with a variety of complimentary extras, which include purchase and travel insurance as well as concierge services. Use this guide to compare the fees, features and benefits of BNZ credit cards and decide if there is one that is right for you.

Finder NZ does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

Name Product Purchase Rate Interest Free Period Annual Fee
BNZ Lite Visa
9.95% for 3 months (reverts to 13.45% APR)
Up to 55 days on purchases
$30 p.a.
BNZ Advantage Visa Platinum Credit Card
18.95% APR
Up to 55 days on purchases
$90 p.a.
1 Fly Buys point for each $15 you spend or $1 in Cash Rewards for each $90
BNZ Advantage Classic Credit Card
20.95% APR
Up to 55 days on purchases
$40 p.a.
Get 1 Fly Buys point for every $40 of eligible spend or $1 Cash Reward for every $150 of eligible spend.

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Name Product Purchase Rate Interest Free Period Annual Fee
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$0 p.a.
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
Up to 55 days on purchases
$195 p.a.
Be rewarded with 400 bonus Airpoints Dollars when you apply online by 2 November 2020, are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$149 p.a.
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
Farmers Mastercard
25.95% APR
Up to 55 days on purchases
$50 p.a.

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Credit cards on offer from BNZ

With low rate, premium and business credit cards as well as Fly Buys and other rewards, BNZ has a selection of cards to meet the needs of a wide range of applicants. Compare the range of BNZ cards on offer to help you decide which card is best for you.

  • Low rate credit cards

If you only pay off a set amount on your card each month and are likely to carry a balance, then a BNZ low annual interest rate card could be an option. A low rate card is also of benefit if you use your card regularly as it reduces the amount of interest you pay on the balance. In addition, with less interest to pay, you can pay off the balance more quickly as payments are used to pay off your purchases and not just the interest. With the BNZ Lite Visa‘s See Zero offer, you’ll get:

Features which includes $15 half-yearly account fee, 13.45% standard purchase interest rate and up to 55 days interest-free.

  • Rewards credit cards

BNZ has rewards cards to suit a variety of needs, whether you are looking to collect Airpoints for your next holiday or prefer cash back for dollars spent. Below is an example of the rewards you can earn with BNZ.

Fly Buys reward programme

BNZ rewards cards offer you Fly Buys rewards points, with the amount dependent on your credit card. For example, the BNZ Advantage Classic Credit Card earns you 1 Fly Buys point for every $40 you spend. Once you have saved sufficient points, you can spend them on a wide range of rewards on the Fly Buys website. The rewards on offer include technology, flights, accommodation and gift vouchers. For example, one night’s accommodation for 2 people in Paihia will cost you 630 points.

Cash rewards

BNZ’s Advantage credit cards offer cashback rewards per dollar spent:

Credit cardAmount Spent to earn $1 Cash Reward
BNZ Advantage Classic$150 spend = $1 Cash Reward
BNZ Advantage Visa Platinum$90 spend = $1 Cash Reward
  • Platinum credit cards

All BNZ Platinum credit cards also offer platinum rewards. For every $1 spent, you will earn 1 platinum reward. Once you have reached 20 rewards, you will receive 1 Fly Buys point. Another perk for Platinum card holders is that cash advance fees are not charged as long as your account stays in credit after the cash has been withdrawn.

Please note that rewards are on eligible purchases only and exclude purchases such as cash advances, government charges and betting and lottery transactions.

Travel Insurance

All BNZ Platinum credit card holders receive complimentary travel insurance with their card. Platinum card holders receive 3 months travel insurance. The type of cover and how to activate that cover differs depending on the type of card you have. However, you must activate your travel insurance prior to leaving New Zealand. Make sure you read the terms and conditions carefully; these are available on the BNZ website.

  • Business credit cards

BNZ credit cards offer business owners convenience and the ability to take control of their spending. The Business First Lite Visa card, with a purchase interest rate of 14.95%, is suitable for a small business owner. The BNZ Advantage Visa Business card, with a purchase rate of 18.95%, is for a larger company. The Advantage Visa Business card also offers you complimentary travel insurance and Fly Buys or cashback rewards. In addition, BNZ offers you the chance to discuss your business needs with a small business specialist or your BNZ partner if you have questions about payroll or EFTPOS.

Benefits of banking with BNZ

  • Fly Buys rewards

You can claim your rewards on the Fly Buys website for a multitude of rewards ranging from household goods to flights, gift cards and more.

  • Contactless payments

Most BNZ credit cards work in conjunction with Apple Pay, so you can use your iPhone or Apple watch to make payments. You are able to pay using Apple Pay anywhere contactless terminals are available, including Noel Leeming and New World.

  • Fraud protection

All BNZ credit cards are protected with “Zero Fraud Liability”. If your credit card is used fraudulently, you are covered by this guarantee and will not have to pay for unauthorised spending on your account. In addition, there are secure payment systems in place to protect your online or in-store purchases, whether they are made in New Zealand or overseas.

BNZ cards are protected by a liquid encryption technology called LENSecure, which protects you from fraud. Every time you use your card at a BNZ ATM, LENSecure updates the security information on the card’s magnetic strip. If someone does manage to make a copy of your card, the fake card becomes out of date and useless fairly quickly.

How to apply for a credit card with BNZ

Once you have checked out all the choices BNZ has to offer and you have decided you want to apply for a BNZ credit card, you can do so by completing the online application form on the BNZ site. Applying is straightforward and should not take too long. However, make sure you understand all that is required and organise the necessary documentation and information to improve your chances of being approved.

How do you qualify for a BNZ credit card?

You are required to be over the age of 18 and a New Zealand citizen or permanent resident to be eligible for a BNZ credit card. In addition, you need to have a minimum income of $15,000 and have a favourable credit score.

The following information is required when you apply for a credit card:

  • Employment and income (This includes properties you own and income from other sources)
  • Weekly outgoings
  • Any debt you may have
  • Proof of identification, such as a passport or a photo driver’s licence
  • Full name, address and telephone numbers

Frequently asked questions

If you have a question about BNZ credit cards, please read the questions below. If you can’t find the answer you are looking for, please get in touch using the “Ask the Expert” form at the bottom of this page.

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4 Responses

  1. Default Gravatar
    SIMRANApril 18, 2018


    • Avatarfinder Customer Care
      JoshuaApril 18, 2018Staff

      Hi Simran,

      Thanks for getting in touch with finder.

      Unfortunately, a person who is on a working visa can’t apply for this credit card. Applicants are required to be over the age of 18 and a New Zealand citizen or permanent resident to be eligible for a BNZ credit card. In addition, he/she needs to have a minimum income of $15,000 and has a favourable credit score.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    SLFebruary 7, 2018

    My expiry date on my card is 03/18 when will I receive my new card.

    • Avatarfinder Customer Care
      joelmarceloMarch 3, 2018Staff

      Hi Sl,

      Thanks for leaving a question on finder.

      You will have to directly inform BNZ that your card is expiring by contacting them via phone at 0800 275 269. If you need anything else, please send us a message anytime.


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