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 March 7, 2023]

About BNZ

The Bank of New Zealand (BNZ) plays a vital role in the growth and development of the country and for the personal success of its people.

Thanks to years of experience, BNZ provides financial solutions that have competitive rates and terms. They focus on individual needs and only offer services that the client can afford.

BNZ reaches millions of customers 

BNZ serves clients all over New Zealand by providing top-of-the-range credit cards NZ. They can successfully reach many people because they offer online loans, credit cards, saving solutions, and investment solutions. BNZ provides businesses as well as personal credit services. For companies, they offer asset finance and solutions for working capital management.

More than just your average bank

Community support -BNZ provides support to the local community through volunteering and creating valuable partnerships.

Environmental sustainability -The company takes all necessary steps to protect the environment by taking steps to minimize their impact on nature.

Sponsorships -Getting behind New Zealand charities and organizations and helping them flourish is an integral part of doing.

BNZ Services

There is a BNZ credit card that matches the needs and requirements of every person.

They have many types of rewards offered that clients stand a chance to receive every time they make a purchase.

An interest-free period 

BNZ credit cards allow companionate shoppers to receive a low interest on purchases made with the card and an interest-free period of up to 55 days. They also have unique balance transfer offers – where customers only pay 1% per year for them. 

Types of BNZ rewards

BNZ has Visa Cards with Fly Buy Points and GoldPlus Airpoints dollars that work perfectly for frequent flyers. Another one of their special offers is their HomeAdvantage card which is available with revolving credit home loans.

BNZ is always there to help

BNZ understands that anyone can suddenly experience an event that may cause unexpected changes. Many clients struggle to get financially on track without some form of help. Some of these events include:

  • Covid-19
  • Injury or illness
  • loss of income
  • Caring for someone vulnerable.

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

Anyone experiencing the above or any other form of financial difficulties, such as managing debt, can contact BNZ for support.

BNZ Credit card

Loan TypeCredit cards

Benefits of BNZ

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

BNZ is a trusted NZ credit card provider

Everyone looking for a credit card in Wellington will get the best deals from BNZ. The company ensures that they base all decisions and criteria on the applicant's needs. Their credit card products offer inconceivably competitive rates, low fees, and affordable installments each time it gets used.

Receive a lower interest rate

As soon as applicants receive approval for their credit card or personal loan, they immediately start buying, building up a good reputation on their credit score. The only thing they must do is make sure they uphold regular installment payments each month. After six months of using their credit card, clients can apply for a credit increment which allows for a lower interest rate.

Access news and advice immediately 

Customers can keep track of their card transactions and installments online and get all up-and-coming information and advice immediately through the BNZ innovative platform. Not only do clients get the benefits of low-cost credit cards, but they can also apply for their cards online or via telephone at any time of the day.

Get 0% interest charged on purchases 

Clients with multiple credit cards can still receive a low interest on purchases on different cards if they have their salary paid into a BNZ transaction account. The company has a low-rate Mastercard that is easy to obtain and has low purchasing finance costs, but clients don't need to have this Mastercard to receive BNZ benefits.

How to apply for a credit card

Those who want to apply for a credit card at BNZ need to have an existing transactional account with the company for more than three months first. After clients prove they can keep up with repayments, they can apply for their credit card via internet banking in a few seconds.

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