BNZ Advantage Classic Visa for Kiwis with Low $40 Fee, Fly Buys and BNZ Points
Earn Fly Buys or BNZ Points on everyday Kiwi spending while keeping costs down with the BNZ Advantage Classic Visa’s NZ$40 annual fee
Overview and core benefits
The BNZ Advantage Classic Visa is a practical choice for Kiwis who want rewards without a hefty annual fee. With an annual fee of NZ$40 (charged as NZ$20 half-yearly) and the option to earn either Fly Buys or BNZ Points, this card balances cost and value for everyday spending.
Cardholders enjoy up to 55 interest-free days on purchases, contactless Visa convenience, and straightforward online banking through BNZ. The purchase rate sits around 20.95% and cash advances at 22.95%, so it’s best used for planned purchases and regular bill payments to keep costs down.
Rewards: Fly Buys or BNZ Points
One of the standout features of the BNZ Advantage Classic Visa is the ability to choose your reward currency: Fly Buys or BNZ Points. Fly Buys works well if you’re after fuel savings, groceries or travel partners, while BNZ Points suit those who prefer BNZ’s in-house redemption catalogue and flexible rewards.
Everyday Kiwi spending — groceries, petrol, and online shopping — earns points that add up quickly when you use the card regularly. Remember to review redemption rates and partners so you get the best value from Fly Buys or BNZ Points.
Fees, limits and practical tips
Beyond the NZ$40 annual fee, additional cardholders cost NZ$12 a year. You should watch for foreign transaction fees and late payment fees which can erode rewards. The minimum repayment is NZ$500 and credit limits vary based on income and credit history.
To avoid interest charges, pay the statement balance in full each month and use up to 55 days interest-free time. If you plan to carry a balance, compare the purchase rate against other BNZ cards and market offers to ensure you’re getting the best deal for your situation.
Who should apply and how to maximise value
This card suits Kiwis who want a low-fee rewards card for everyday purchases without premium extras. It’s a solid pick for students, young professionals and households that value Fly Buys or BNZ Points and plan to manage payments monthly.
Maximise value by putting recurring bills and grocery runs on the BNZ Advantage Classic Visa, grabbing partner promotions, and combining Fly Buys or BNZ Points with BNZ online offers. Regularly check BNZ’s rewards portal and Fly Buys partners to cash in points where they stretch further.