BNZ · Visa
BNZ Airpoints 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 | Not in T&C |
| 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
BNZ Points earned on Eligible Purchases debited from Advantage Credit Card Accounts; points calculated daily by multiplying total Eligible Purchases by the applicable BNZ Point earn rate; not earned on Cash Advances, Balance Transfers, interest, fees, gambling, securities, cryptocurrency or contracts for difference.
Earn rate A
BNZ Points are earned on Eligible Purchases debited from your Advantage Credit Card Account. We will calculate BNZ Points at the end of each Business Day. We calculate the BNZ Points by multiplying the total amount of Eligible Purchases debited that Business Day and on any immediately previous non-Business Days by the BNZ Point earn rate. The BNZ Point earn rate applicable to your Rewards Programme and your Advantage Credit Card type is available from our website at bnz.co.nz
Partner programs A
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 not happy with a change we make to these Terms, you can apply to cancel your Card and close your Credit Card Account as set out in clause 13.2. If you cancel this credit card contract, we can still charge you interest for the period from the day your first Transaction is made (unless an interest free period applies) until the day you repay the amount outstanding (excluding fees) on your Credit Card Account. We can also charge you the amount of any reasonable expenses we had to pay in connection with this credit card contract and its cancellation.
Frequently asked questions
How do I dispute an unauthorised transaction on the BNZ Airpoints 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 Airpoints 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.