Earn BNZ Points on everyday expenses
Get 1 BNZ Point for every $1 spent on eligible purchases like groceries, fuel, bills, and dining. Points can be redeemed for travel, eGift cards, or cashback to your BNZ account.
Affordable fee structure
Pay just $20 every six months for the account fee, and $6 for each additional cardholder, making this card a cost-effective option for individuals and shared users.
Up to 55 interest-free days
Enjoy breathing room on your payments — if you pay your current balance in full by the due date each month, you won't incur interest on purchases made during your statement period.
Mobile wallet and tap-to-pay convenience
Add your card to Apple Pay or Google Pay for fast, secure mobile payments. You can also use contactless tap-to-pay with your physical card, combining convenience with modern technology.
A reliable card that turns everyday purchases into meaningful rewards
The BNZ Advantage Visa Classic is built for those who value simplicity, consistency, and real value in their daily financial tools. Whether you’re paying for groceries, fuel, subscriptions, or utility bills, this card rewards your regular spending with 1 BNZ Point per $1 spent, making it easy to accumulate points without having to think twice.
There’s no complex reward structure, no hidden conditions — just a transparent and easy-to-use system backed by BNZ’s trusted digital banking experience. With a low half-yearly fee, it’s an affordable way to earn rewards while maintaining control over your finances.
You’ll also enjoy full access to the BNZ app and Internet Banking, where you can view your points balance, track spending, block or unblock your card, and redeem your BNZ Points for cashback, eGift cards, travel bookings, or even transfer them to eligible loyalty partners. It’s the perfect solution for anyone who wants a no-fuss credit card that fits naturally into everyday life — while giving a little extra back along the way.
With the Advantage Visa Classic, you earn 1 BNZ Point for every $1 spent on eligible purchases. Points are automatically added to your rewards balance and can be redeemed easily via Internet Banking or the BNZ app. You can choose from a range of rewards — including travel bookings, instant eGift cards, or even cash back credited directly to an eligible BNZ account.
BNZ Points are awarded on most personal, day-to-day expenses such as groceries, fuel, utilities, and streaming subscriptions. However, some transactions are excluded — these include cash advances, balance transfers, gambling or lottery transactions, cryptocurrency purchases, and business-related expenses. It’s designed to reward personal spending that fits into your lifestyle.
The BNZ Advantage Visa Classic has a half-yearly account fee of $20, and if you choose to add a joint or additional cardholder, there’s a fee of $6 every six months. These recurring fees are applied automatically and should be considered if you’re managing a household account with multiple users.
The purchase interest rate is 20.95% p.a., and the cash advance rate is 22.95% p.a. These are standard rates for this card category, so to make the most of your rewards without incurring extra costs, it’s best to pay your full balance by the due date each month and take advantage of up to 55 interest-free days.
Yes — BNZ has strong security measures in place to protect your account. The zero liability guarantee means you won’t be held responsible for unauthorized transactions, as long as you’ve followed the card’s terms and conditions. Plus, you can quickly freeze or unfreeze your card using the BNZ app, giving you full control if your card is misplaced or compromised.
For those who want simple, consistent rewards without the hassle
The BNZ Advantage Visa Classic is a smart option for everyday spenders who value clarity, ease, and steady returns. There are no complicated tiers to navigate, no thresholds to meet, and no premium fees — just straightforward rewards for the purchases you already make.
With user-friendly digital tools, seamless mobile wallet compatibility, and a transparent points system, this card helps you manage your finances while earning BNZ Points you can actually use. Whether you prefer cashback, travel perks, or digital gift cards, it’s all within reach — and easy to redeem.
Click the button below to apply securely through BNZ’s official website and discover the full range of benefits designed to make your daily spending work harder for you.