BNZ credit cards

Compare and review BNZ credit card features, rates, and fees. Make an informed decision about your next credit card.

By   |   Verified by David Boyd   |   Updated 19 Oct 2023

As seen on

Media - The Sydney Morning Herald
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Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
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Comparing BNZ credit cards

BNZ Lite Visa Credit Card

Balance transfer

N/A

Purchase rate

12.9% p.a. ongoing

Annual fee

$30.00 p.a. ongoing

Highlights

  • Low ongoing rate of 12.90% p.a. on purchases.
  • $30 p.a. annual fee.
  • Up to 55 interest-free days on purchases.

Pros

  • Low rate on purchases.
  • Compatible with Apple Pay and Google Pay.
  • Up to 55 interest-free days on purchases.
  • Cheap to add additional cardholders.

Cons

  • The cash advance rate of 22.95% p.a.
  • No interest-free balance transfer offer.
BNZ Advantage Classic Credit Card

Balance transfer

N/A

Purchase rate

20.95% p.a. ongoing

Annual fee

$40.00 p.a. ongoing

Highlights

  • Earn 1 Flybuys point per $40 or 1 BNZ Point per $1 of eligible spend.
  • Transfer BNZ Points to a range of airline and hotel partners.
  • $40 p.a. annual fee. Up to 55 interest-free days on purchases.

Pros

  • Earn rewards points or cashback on eligible purchases.
  • BNZ Rewards has several airline and hotel transfer partners for increased flexibility.
  • Relatively low annual fee.
  • Cheap to add an additional cardholder.
  • Up to 55 interest-free days on purchases.
  • Compatible with Apple Pay and Google Pay.

Cons

  • No complimentary travel insurance.
  • The cap on additional cardholders is limiting.
  • Ongoing rates are nothing special.
  • Airpoints is not a transfer partner.
BNZ Advantage Visa Platinum Credit Card

Balance transfer

N/A

Purchase rate

18.95% p.a. ongoing

Annual fee

$90.00 p.a. ongoing

Highlights

  • Earn 1 Flybuys point per $15 spent or 1.6 BNZ Points per $1 spent. Eligible purchases only.
  • 18.95% p.a. interest rate on cash advances and purchases.
  • Comes with complimentary travel insurance.
  • Up to 55 interest-free days on purchases.

Pros

  • Earn rewards points or cashback on eligible purchases.
  • BNZ Points can be transferred to a range of airline and hotel partner programs.
  • Includes international and domestic travel insurance, rental vehicle excess insurance, and emergency travel assistance.
  • Access to the concierge service.
  • Supports Apple Pay and Google Pay digital wallets.

Cons

  • No sign up bonus points on offer.
  • Airpoints is not a transfer partner.