Rating based on 33 reviews

BNZ Credit Card


  • Earn rewards
  • Low rate card
  • Purchase protection

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BNZ homepage

Author BNZ. Screenshot of BNZ website. [Accessed September 6, 2021]

About BNZ

For more than 150 years, Bank of New Zealand (BNZ) has played a key role in the growth of businesses in the country and for the personal success of its people.

We provide banking and financial solutions based on extensive expertise and experience. We are truly dedicated to serving our individual, business and institutional customers. We establish strong relationships with them to assist them in every step of the way towards success.

One of the largest companies in the country

We serve customers nationwide in our branches. We offer modern means for banking as well. Our range of personal products includes online loans, credit cards and saving and investment solutions. To businesses, we offer asset finance and solutions for working capital management. We apply sustainable policies and support the community.

BNZ Services

There is a BNZ credit card to match the needs and requirements of every person.

We have Visa cards with Fly Buy points which you earn with every purchase. They are ideal for frequent travellers. We are proud to be the only bank in New Zealand which currently offers this reward programme.

An interest-free period of up to 55 days

We have GoldPlus cards which enable you to earn Airpoints Dollars to spend on air travel tickets. Our credit cards with low interest rates on purchases are ideal for passionate shoppers who want financial flexibility.  We have special balance transfer offers. If you transfer balances from other cards, you will pay only 1% p.a. for 12 months on them. Another one of our special offers is the HomeAdvantage card which is available with revolving credit home loans.

BNZ Credit card

  • Loan Type Credit cards

Benefits of BNZ

  • Interest-free up to 55 days
  • Low-interest rates
  • Quick financial solutions for your business

BNZ is the trusted name when it comes to credit card providers

At BNZ in Wellington can offer you the best credit card NZ.

Our business is realizing what your needs are, and having an enthusiasm for our clients best interests. With regards to getting a Visa, BNZ is the spot to go to. Our credit card alternatives offer inconceivably competitive rates, low fees and affordable instalments each time you swipe.

There are numerous approaches to build your credit limit with us

Following 6 months of opening your credit card account, you have the alternative of applying for a credit increment. Should you meet the criteria of our loan requirements and show the ability to uphold your regular instalment payments each month, you will immediately start building up a good reputation on your credit score. You additionally have the alternative of dealing with your credit card account on the web - and you can even apply for credit online!

News and advice immediately through our innovative platforms

Keep updated on your credit card transactions and instalments online and get all the up and coming news and advice immediately through our innovative platforms. We have numerous years of involvement in the financial business to offer our customers as well as useful tips on responsible budgeting. Get the comfort of low expenses and loan costs, the capacity to apply for your Visa online or via telephone whenever the timing is ideal for you. Making the whole process simple, fast and client-friendly.

Get 0% p.a. for 12 months on transactions

Switch to a BNZ charge credit card and you could get 0% p.a. for 12 months on transactions exchanged from a non-BNZ credit or store card when you likewise have your wage paid into one of our transaction accounts. Our Low Rate MasterCard is our least difficult card to obtain. It's low upkeep and is more affordable on the wallet. With its low purchase financing costs, it’s a superior option to choose.

Customer Reviews & Testimonials

My partner and I recently decided to buy our first house together. Neither of our credit ratings was too great seeing as we’re both big on living debt-free. Naturally, applying for a credit card ...

Becca T.
— Wellington —

I travel for work nine months out of the year, and practically bounce from one hotel room to the next. It's a pricey lifestyle, but BNZ's travel rewards comes in handy. Perfect for a frequent fly...

Storm S.
— Auckland —

BNZ's online access provided me with everything I needed to know before applying for my first credit card, right at my fingertips. I applied, submitted the relevant documentation, and to my surpr...

Zanda R.
— Cristchurch —

BNZ Contact

Physical Address

Postal Address

  • PO Box 995, Shortland Street, Auckland, 1140, New Zealand

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed