BNZ Credit Cards
From New Zealand's oldest bank comes modern credit solutions. Compare BNZ Advantage, GlobalPlus, and business credit cards with premium benefits.
All BNZ Credit Cards
BNZ Advantage Platinum Visa
- ✓ 0.5% cashback on all purchases
- ✓ Comprehensive travel insurance
- ✓ Purchase and price protection
- ✓ Extended warranty coverage
- ✓ 24/7 concierge services
BNZ GlobalPlus Platinum
- ✓ No foreign exchange fees
- ✓ Premium travel insurance
- ✓ Global emergency assistance
- ✓ Purchase protection worldwide
- ✓ Airport lounge access program
BNZ Advantage Classic Visa
- ✓ Low annual fee
- ✓ 55 days interest-free
- ✓ Travel insurance coverage
- ✓ Purchase protection
- ✓ Easy online management
BNZ Flexi Debit Visa
- ✓ No interest charges
- ✓ Global ATM access
- ✓ Online shopping worldwide
- ✓ Contactless payments
- ✓ No credit check required
BNZ Business Platinum
- ✓ Detailed expense reporting
- ✓ Employee card management
- ✓ Business travel insurance
- ✓ Higher credit limits available
- ✓ Purchase protection for business
BNZ Low Rate Visa
- ✓ Below-market interest rate
- ✓ Balance transfer options
- ✓ 55 days interest-free
- ✓ No rewards complexity
- ✓ Suitable for balance transfers
Why Choose BNZ Credit Cards?
Heritage & Trust
New Zealand's first registered bank with over 160 years of experience
Global Reach
NAB Group backing with international banking capabilities
Business Focus
Strong business banking with specialized commercial solutions
Tailored Solutions
Cards designed for specific needs from travel to business
BNZ Premium Card Benefits
Comprehensive protection and convenience features across BNZ's premium card range.
Travel Protection
- • Comprehensive travel insurance
- • Medical coverage up to $10M
- • Trip cancellation protection
- • Baggage and delay coverage
- • Emergency assistance worldwide
Purchase Protection
- • Purchase protection insurance
- • Extended warranty coverage
- • Price protection guarantee
- • Return protection service
- • Card security features
Lifestyle Benefits
- • 24/7 concierge services
- • Entertainment booking
- • Dining reservations
- • Event ticket access
- • Personal shopping assistance
BNZ Credit Card Comparison
| Card | Annual Fee | Interest Rate | Special Feature | Best For |
|---|---|---|---|---|
| Advantage Platinum | $90 | 19.95% | 0.5% cashback | Premium benefits |
| GlobalPlus Platinum | $120 | 20.95% | No FX fees | International travel |
| Advantage Classic | $30 | 19.95% | Travel insurance | Entry-level premium |
| Low Rate | $65 | 15.95% | Low interest | Balance transfers |
| Business Platinum | $150 | 19.95% | Business tools | Business owners |
| Flexi Debit | $15 | No interest | Global access | Spending control |
Frequently Asked Questions
BNZ offers a comprehensive range including BNZ Advantage Platinum Visa, BNZ Advantage Classic Visa, BNZ GlobalPlus Platinum Visa, BNZ Flexi Debit Visa, and specialized business cards. Each card offers different benefits from basic banking to premium rewards and international features.
BNZ Advantage cards offer various benefits depending on the tier. Platinum cards include travel insurance, purchase protection, extended warranty, and concierge services. Some cards offer cashback or points programs with spending-based rewards.
BNZ typically requires applicants to be 18+ years old, NZ residents, have regular income (minimum $20,000-$50,000+ depending on card), good credit history, and preferably an existing BNZ banking relationship. Premium cards have higher income thresholds.
Yes, BNZ regularly offers balance transfer promotions with reduced interest rates for new customers. Terms typically include 6-12 months at promotional rates, with balance transfer fees that may be waived during promotional periods.
Absolutely. BNZ's digital banking platform and mobile app offer full credit card management including viewing statements, making payments, setting up alerts, card controls, rewards tracking, and temporary card locks for security.
Ready to Apply for a BNZ Credit Card?
Over 160 years of banking expertise with modern credit solutions