Rewards Cards · New Zealand
BNZ Advantage Visa Platinum
3.8 / 5 editorial rating
Best for: BNZ customers who want points and international travel insurance
Annual feeNZ$90/yr
IssuerBNZ
NetworkVisa
Purchase APR18.95% p.a.
Foreign transaction fee2.25%
Credit neededNZ$5,000 minimum credit limi…
Pros
- Lowest purchase rate of the rewards cards we compare
- Travel insurance included
- Flexible redemption options
Cons
- NZ$90 annual fee
- 2.25% foreign currency service fee
- BNZ Points expire three years after they are earned, on 31 December
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The BNZ Advantage Visa Platinum earns 1.67 BNZ Points per NZ$1 and includes international travel insurance. It costs NZ$90 a year and charges 18.95% p.a. on purchases.
BNZ Advantage Visa Platinum at a glance
| Issuer | BNZ |
| Card network | Visa |
| Annual fee | NZ$90 |
| Rewards rate | 1.67 BNZ Points per NZ$1 spent; redemption value: see issuer |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 18.95% p.a. |
| Foreign transaction fee | 2.25% |
| Credit needed | NZ$5,000 minimum credit limit; BNZ's lending criteria apply |
| Best for | BNZ customers who want points and international travel insurance |
Key features
- 1.67 BNZ Points per NZ$1 spent, redeemable for travel, eGift cards or cash back
- Up to 90 days of international leisure travel insurance
- 18.95% p.a. on purchases and cash advances
- Up to 44 interest-free days on purchases
- Account fee of NZ$45 every six months
Pros
- Lowest purchase rate of the rewards cards we compare
- Travel insurance included
- Flexible redemption options
Cons
- NZ$90 annual fee
- 2.25% foreign currency service fee
- BNZ Points expire three years after they are earned, on 31 December
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar New Zealand cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
BNZ Advantage Visa PlatinumBNZ customers who want points and international travel insurance |
NZ$90/yr | 1.67 BNZ Points per NZ$1 spent; redemption value: see issuer | None | 2.25% | NZ$5,000 minimum credit limit;… | |
ASB Visa Platinum RewardsSimple 1% rewards with travel insurance and no offshore margin |
NZ$80/yr | 1 True Rewards dollar per NZ$100 spent (TR$1 = NZ$1) | 0% p.a. for 6 months on balance transfers | 0% from 15 September 2026… | Aged 18 or over, regular incom… |
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