BNZ Credit Card - How to Order the Advantage Classic Online

This BNZ Advantage Classic Credit Card is suitable for a wide range of budgets and lifestyles, and you can save on credit card costs through the many rewards and perks that are offered to the customer. It is therefore one of those cards that you need to know about.


To start things off, the card offers both cashback rewards as well as reward points that can easily be redeemed for many different gifts. Now, while the card has an annual fee and interest rate, the benefits more than makeup for that.

In this review we specifically take a look at this card and evaluate its main benefits, features, and application procedures. With credit cards, you must be very keen on the eligibility criteria to see whether you qualify for the card or not, and we shall look at that as well. Let’s get started.

BNZ Credit Card - How to Order the Advantage Classic Online
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The BNZ Advantage Classic Credit Card Features and Benefits

This card comes with the following features.


You shall choose either to receive Fly Buys points or to get cash rewards for your purchases when you apply for the card.

  • Cash Rewards

If you choose to receive cash rewards, then you shall earn $1 for every $150 you shall spend with your BNZ Advantage Classic Credit Card. These cash rewards usually accumulate and can be used to clear your credit card balance.

  • Fly Buys Points

If this is what you choose, then you shall earn 1 point for every $40 you spend on retailers. You shall also be able to earn more points when you swipe your Fly Buys credit card at the same time. When these points are accumulated, they can be used to redeem plenty of other rewards.

Signup Bonus

Whenever you spend around $1,500 in the first 3 months after getting the card, you shall be entitled to get $75 back or you can also get 500 Fly Buys Points.

Pros/Cons of the BNZ Advantage Classic Credit Card


  • The card offers cash rewards.
  • The card also offers point rewards
  • You can redeem the points for many rewards.
  • You shall get up to 55 days of free interest on purchases.


  • It has a high-interest rate
  • It charges an annual fee

BNZ Advantage Classic Credit Card Fees

When applying for a credit card, it is important to be aware of the fees and interest charged. Below is a list of fees that come with the BNZ Advantage Classic Credit Card.

  • Purchase rate – charged at 20.95% p.a.
  • Annual card fee – charged at $40 p.a.
  • Cash advance rate – charged at 22.95%
  • Minimum repayment – charged at either 2% of the transaction or $25 whichever one is greater.
  • Late fee payment – charged at $2
  • Additional card fee – charged at $12
BNZ Credit Card - How to Order the Advantage Classic Online
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The BNZ Advantage Credit Card Eligibility

To be eligible for this credit card, you have got to meet the following criteria

  • Must be 18 years of age.
  • Must be a New Zealand resident and living there.
  • Must earn more than $15,000 each year.

How to Apply for the BNZ Advantage Credit Card

To apply for the credit card, you shall be required to visit the BNZ company website and fill out the application form with the following information

  • Your New Zealand Driver’s License number
  • Your address information
  • Your bank statements
  • Information about your income – this should income properties that you own and all other income sources
  • Your weekly outgoings.
  • Any debts you may have.
  • Proof of identification
  • Full name, and telephone number.

BNZ Bank Address and Contact Information

To find out more about the BNZ Advantage Credit Card it is advisable to contact the bank directly. BNZ Bank can be contacted using the following details.

Address: Level 4 80 Queen Street Auckland, New Zealand

Telephone: 0800 275 269 (from New Zealand) or +64 4 931 8209 (from overseas)


So, if you live in New Zealand and you meet the above eligibility criteria, and you have already done enough research and decided that this is the card for you, we hope that the information provided above shall guide you on what to expect from this credit card. All the best.

Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank's terms and conditions page before agreeing to anything.