National Bank Credit Cards

The National Bank of New Zealand offers an extensive range of credit cards and to ensure you are making the right choice, it’s best you do a little research beforehand. The National Bank credit card offering has something for everyone, whether you’re looking for a simple, cost-effective card or are looking for something extra, such as a great rewards program.

National Bank Credit Cards No Longer Available for Applications

The National Bank is acquired by ANZ and is no longer available for new credit card applications. However, this information has been kept for historical purposes. Check out the cards currently on offer from ANZ.

The National Bank Credit Cards – Compare the National Bank Credit Cards

The National Bank of New Zealand offers an extensive range of credit cards and to ensure you are making the right choice, it’s best you do a little research beforehand. The National Bank credit card offering has something for everyone, whether you’re looking for a simple, cost-effective card or are looking for something extra, such as a great rewards program.

Introducing the National Bank of New Zealand

The National Bank of New Zealand is a member of the ANZ National Bank Limited group, which in turn is owned by the Australia and New Zealand Banking Group, based in Melbourne. The bank was founded in 1872 to provide banking services to the rapidly expanding colony and, as such, opened for business officially to the public back in 1873. The first branches opened in Wellington, Christchurch and Auckland and not long after another 13 branches were taken over from the Bank of Otago, which was floundering at the time.

The National Bank has grown steadily ever since, opening its 100th branch in 1963. Its main focus has generally been on small business, rural and personal customers but in 1972, the bank did start including wholesale banking services in its repertoire.
This bank has a great reputation for its support of New Zealand and commitment to helping New Zealanders. In fact, the bank prides itself on its core values, which are:

  • Integrity – Doing the right thing
  • Collaboration – Working together
  • Accountability – Taking responsibility for one’s actions
  • Respect – Valuing everyone’s opinion
  • Excellence – Performing to the best of your ability

Thus, the National Bank is fully dedicated to working together with their customers and offering them all the support they need to succeed.

More evidence to support the idea that this bank cares about the community lies in the fact that they are doing everything in their power to reduce their environmental footprint. In fact, the first “green” bank branch to be specifically built with this purpose in mind is a National Bank branch!

Special Help for Christchurch Customers

The National Bank is doing everything it can to help their customers as well as the entire Canterbury community. ANZ has committed $1,000,000,000 to Christchurch offering affordable loans to people living in the Red Zone, as stipulated by the Government.

Anyone living in the Red Zone with a mortgage is invited to the National Bank to receive assistance with the options offered by the Crown.

What You Can Expect from National Bank Credit Cards

The National Bank offers an extensive range of credit cards, ranging from simple, no-frills cards that feature highly competitive rates to the epitome of luxury and privilege through their Platinum cards. All cards come with a wide range of benefits.

For example, all cardholders, except for Platinum Visa, have access to Global Services from the National Bank, which is an emergency service for cardholders travelling overseas. The service is available around the clock. Platinum Visa cardholders have complimentary Secure Sentinel membership and access to the Visa Concierge Service, both of which have you covered in terms of anything you might require overseas or domestically.

Check the table below to see exactly how National Bank Global Services can help you, depending on which card you own.

ServiceVisa ClassicVisa GoldFreestyleLow Interest Visa
Toll free global access – 24/7
Report lost or stolen card
Emergency replacement of card
Urgent cash advance
Legal and medical referral service
Referral service for travel insurance
Help with lost passport
Airline reservations and info
Emergency replacement of tickets
Advice on foreign currency
Help with cash advances and transfers (some charges may apply but you will be informed beforehand of any costs)
Help finding ATMs abroad
Emergency interpretation service
Emergency service for messaging

Similarly, Thoroughbred cardholders get access to an extensive range of Global Services, such as:

Global ServicesThoroughbred CardGold Thoroughbred Card
Toll free global access – 24/7
Report lost or stolen card
Emergency replacement of card
Urgent cash advance
Legal and medical referral service
Referral service for travel insurance
Help with lost passport
Airline reservations and info
Emergency replacement of tickets
Advice on foreign currency
Help with cash advances and transfers (some charges may apply but you will be informed beforehand of any costs)
Help finding ATMs abroad
Emergency interpretation service
Emergency service for messaging

All National Bank credit cards are highly secure as electronic chips are being incorporated into all the ranges the bank offers. This way, customers can be certain they enjoy the most up-to-date protection against fraud. Additionally, in an effort to ensure customer security, all cards have a PIN that only the customer can choose, allowing for purchases and cash withdrawals without the need for a signature. All transactions are also monitored by a top-of-the-line system that identifies changes in your spending patterns to alert of possible fraudulent transactions.

You can also get additional cards linked to your account for friends or family members. This is a free service for Freestyle cards, but there is a fee for the other cards offered by the National Bank.

As a National Bank cardholder, you’ll also be able to activate CardCover, which is an affordable insurance policy that helps you cover your repayments when you are unable to. Thus, if you aren’t able to make payments because of illness, accidents, bankruptcy, temporary or permanent disability, redundancy or death, you will be covered by the policy. The premium is based on the amount you owe every month, which means you only have to pay when you have an outstanding balance.

The Platinum Visa Rewards Scheme

If you are a Platinum Visa cardholder, you will find that you have access to a great rewards scheme, which allows you to earn 2 Platinum Points for every dollar you spend on your card. Note that you won’t be able to earn points on cash advances, the purchase of traveller’s cheques, gaming chips, disputed transactions, fees or interest charges.

Your Platinum Points are valid for 36 months, so if you really want a specific reward, you have lots of time to accrue the necessary points. Additionally, regardless of how much you spend, you’ll still earn points because the number of points you can earn is unlimited.

You will find that the Platinum Visa rewards scheme offers a wide range of rewards, including flights on an airline of your choice, household items, complete travel packages, gift vouchers and much more. And if you don’t have sufficient points to get that reward you’ve had your eye on for a while, you can opt for the Points+Pay system, which allows you to make up the difference with cash. Not all rewards offer this feature, so make sure to check beforehand on the Platinum Rewards site.

The extensive selection of credit cards available from the National Bank ensures that even the most discerning customer will find something to suit their needs. From the simple Low Interest Visa card that’s focused on helping customers save money to the Platinum Visa card that’s all about privilege and exclusive benefits, you’ll definitely find something to meet your requirements, regardless of what they are.

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