BNZ Lite Visa Credit Card

The basics

• Additional cardholders. You can add 2 additional cardholders for a fee of $3.00 p.a. The primary cardholder will be responsible for managing the account and repayments.
• Digital wallets. This card is compatible with Apple Pay and Google Pay.
• Gambling transactions. Gambling transactions are not allowed on the BNZ Lite Visa Credit Card.

Rewards and benefits

• Complimentary travel insurance. This card does not come with complimentary international travel insurance, as is typical of value cards like this.
• Concierge services. There is no credit card concierge service for Lite cardholders.
• Insurances. This card comes with fraud protection but does not include domestic hotel burglary, extended warranty, international travel, price protection, purchase protection, or transport accident insurance.
• Rewards points. This credit card does not have a rewards program.
• Sign up bonus. There is no sign up bonus for new card customers.

Rates and fees

• Annual fee. This card has a low ongoing annual fee of $30 p.a.
• Balance transfers. There is no interest-free balance transfer offer.
• Cash advances. It's 22.95% p.a. for cash advances, with no interest-free grace period. BNZ will also charge a one-off cash advance fee.
• Foreign exchange fee. This card incurs a 2.25% fee on any purchases made overseas or with an online store based in a foreign currency.
• Interest-free period. Get up to 55 days interest-free on purchases (except cash advances) when you pay your balance in full or make the minimum required payment.
• Purchases. There is no introductory offer on purchases. The ongoing rate on purchases is 12.90% p.a. This is competitive with what's on offer from other banks.