Eligibility requirements for BNZ Advantage Visa Classic
✔️ Minimum Age: 18 years old.
✔️ Residency: New Zealand citizen or permanent resident.
✔️ Annual Income: At least NZD 15,000.
✔️ Credit History: A solid financial history.
Essential documents for your application
📄 ID Verification: Valid passport or driver’s license.
📄 Proof of Income: Recent bank statements or payslips.
📄 Proof of Address: Recent utility bill or official correspondence.
Meeting these requirements is necessary for approval, and additional information may be requested during the review.
Applying for your BNZ Advantage Visa Classic
To start your BNZ Advantage Visa Classic application, visit the official BNZ website, find the credit card section, and select the BNZ Advantage Visa Classic. Click “Apply Now” and fill out the online form with your personal and financial details, attaching any required documents.
The bank will review your application and notify you of the decision. Should your application not be approved, you’ll have the opportunity to reapply after a specific waiting period.
Paying off your balance
Paying off your BNZ Advantage Visa Classic card is easy with several convenient options. Set up automatic payments through BNZ’s Internet Banking to cover either the full balance or minimum amount each month by the due date.
Manual payments can also be made via bank transfer or at any BNZ branch. It’s recommended to pay the full balance each month within the interest-free period to avoid extra charges and make the most of the card’s benefits.
Fees and interest rates you should know
The BNZ Advantage Visa Classic has an annual purchase interest rate of 20.95% and a 22.95% interest rate for cash advances. Account fees are charged at NZD 20 every six months, and there’s a NZD 6 fee for any additional cards.
The card also offers up to 55 days of interest-free purchases, provided the balance is paid in full by the due date. Knowing these details helps you plan and manage your finances to minimize extra costs.
A quick look
The BNZ Advantage Visa Classic combines convenience, rewards, and ease of use. It’s designed for individuals seeking a manageable credit card option with benefits for everyday purchases. With up to 55 interest-free days on purchases when paid in full, the ability to earn 1 BNZ point per dollar spent, and compatibility with Apple Pay and Google Pay, it’s well-suited to a modern, fast-paced lifestyle.
However, to avoid extra costs, be sure to keep track of fees, interest rates, and payment due dates. The BNZ Advantage Visa Classic provides a balanced option that brings practical benefits and flexible payment options.
Apply today!
Ready to take advantage of the BNZ Advantage Visa Classic? Click the button below to begin your application and start enjoying a credit card that brings rewards to your everyday spending.