BNZ · Visa
BNZ Advantage Platinum Visa
Mechanical fact card. Every figure on this page is sourced from BNZ's published Conditions of Use document; the small green/blue/amber chip next to each value links to the source.
Ingested 21 May 2026. 36-month freshness cap enforced.
Annual fee
Not in T&C
Purchase APR
Not in T&C
Cash advance APR
Not in T&C
Interest-free days
Not in T&C
Fees & charges
| Annual fee | Not in T&C |
| Additional / supplementary card fee | $0 A |
| Foreign transaction fee | Not in T&C |
| Cash advance fee | Not in T&C |
| Cash advance fee % | Not in T&C |
| Late payment fee | Not in T&C |
| Over-limit fee | Not in T&C |
| Replacement card fee | $0 A |
| Statement copy fee | Not in T&C |
Interest mechanics
| Purchase interest rate (APR) | Not in T&C |
| Cash advance interest rate | Not in T&C |
| Balance transfer promo rate | Not in T&C |
| Balance transfer promo period | Not in T&C |
| Default / penalty rate | Not in T&C |
| Interest-free days | Not in T&C |
| Minimum repayment % | Not in T&C |
Rewards mechanics
Rewards mechanic A
Earn BNZ Platinum Reward Points on eligible purchases; points can be converted to Fly Buys Points or redeemed for physical items.
Earn rate A
Reward Points are earned on purchases charged to your Card. You will be advised separately of the Reward Points earning rate on your Card. This rate may be changed by us from time to time.
Partner programs A
Fly Buys,Visa Platinum Travel,Visa Entertainment,Visa Concierge Service
Eligibility
| Minimum age | Not in T&C |
| Minimum annual income | Not in T&C |
| Residency / citizenship | Not in T&C |
| Employment status | Not in T&C |
| Credit limit range | Not in T&C |
Approval, credit limit, and pricing are determined by BNZ under CCCFA and the Responsible Lending Code. This page is informational only — not a pre-approval and not financial advice.
Your dispute and chargeback rights
External dispute resolution scheme A
banking_ombudsman
Closure & cooling-off
Closure rules A
If you are an Account Owner you can apply to cancel your Card and close your Credit Card Accounts by calling 0800 931 932, sending an email via Internet Banking, sending written advice to BNZ Credit Cards, or completing an appropriate form at any store. If a Credit Card Account is closed and/or your Card is cancelled, whether by us or you, you will still be liable for payment of the debit balance, all fees and charges and any transactions undertaken up to the time that your Card is destroyed, and interest on the outstanding balance if the account is not paid off immediately.
Frequently asked questions
How do I dispute an unauthorised transaction on the BNZ Advantage Platinum Visa?
Contact BNZ first, then escalate to the relevant external dispute resolution scheme (typically the Banking Ombudsman Scheme or FSCL). The Commerce Commission enforces CCCFA fair-dealing obligations.
How current is the information on this page?
Every figure on this page is sourced from BNZ's published Conditions of Use document. The T&C was ingested on 21 May 2026. We enforce a 36-month freshness cap; any fact older than that is excluded from rendering. Cross-check the issuer's current Conditions of Use before applying.
Is the BNZ Advantage Platinum Visa "the best" credit card?
We don't rank credit cards on this site. Under FMA and CCCFA fair-dealing rules, "best for X" or "lowest rate guaranteed" claims require disclosed methodology that we don't publish. We list the facts; you compare what matters to your situation. If you need one-on-one advice, see a licensed Financial Advice Provider — we don't provide personalised advice.
Methodology & source-tier system
Every fact on this page carries a source-tier badge: Tier A = verbatim from the issuer's published Conditions of Use PDF; Tier B = issuer's live website; Tier C = our editorial registry (used when T&C ingest is pending); Tier D = third-party source.
We don't rank cards, don't publish "best for X" superlatives, and don't make approval claims. Approval decisions sit with the issuer under CCCFA and the Responsible Lending Code. For one-on-one advice, contact a licensed Financial Advice Provider.
Last snapshot generated Invalid Date. T&C ingest cycle: monthly. Source-document freshness cap: 36 months.