Collection rate

Multiple collection rates


BNZ love helping their customers get ahead just as much as we love giving you Flybuys.

BNZ is the only bank that earns you Flybuys just for doing your banking! And if you have a credit card or a mortgage you can really crank up the rewards.

Earn Flybuys on all eligible purchases when you use your BNZ Advantage Visa credit card*. Plus, shop at one of our partners e.g. New World, Z, or Caltex to maximise your Flybuys earn potential!

For more information about any of BNZ's products visit or pop into your local BNZ branch. To find your nearest BNZ branch, check out the map below.

Earn more Flybuys with BNZ

Link your Flybuys to any new or existing BNZ Advantage Visa credit card, Flybuys home loan, or PremierCare insurance you have with BNZ by phoning 0800 275 269 or by visiting a BNZ branch. To start earning Flybuys, you'll need to be a member of Flybuys first. You’ll love how the Flybuys start to add up!

Credit cards*

BNZ Advantage Visa Classic $40 spend on eligible purchases = 1 Flybuys

BNZ Advantage Visa Platinum $20 spend on eligible purchases = 1 Flybuys

BNZ Advantage Visa Business $15 spend on eligible purchases = 1 Flybuys


BNZ love looking out for their customers, so they have a great range of insurances including PremierCare Home, Contents, Vehicle, and/or Boat insurances that earn Flybuys on premiums paid.

$20 spend on premiums = 1 Flybuys

Home loans***

A mortgage can be one of your biggest outgoings – it can also be one of your biggest Flybuys earners! The number of Flybuys you earn is based on the size of your loan each month.

BNZ love to see you in your own home and we love to give you Flybuys so you can get great stuff to put in it.

Loan size less than $50,000 = 100 Flybuys earned per year

Loan size $50,000 - $149,999 = 400 Flybuys earned per year

Loan size $150,000 or more = 1000 Flybuys earned per year

Terms and conditions

Flybuys terms and conditions apply. Flybuys earn and redemption rates are subject to change without notice. BNZ (and its related companies) do not guarantee the redemption of Flybuys or that Flybuys will continue to be offered for products or services provided by them.

*Not all credit cards can earn Flybuys. Credit card account fees, terms and lending criteria apply. Flybuys are earned on eligible purchases, which exclude cash advances, balance transfers, interest charges, bank fees, gambling, betting and lottery transactions, and unauthorised transactions for which you are not liable.

**Insurance cover is subject to the terms, conditions and exclusions contained in the relevant policy wording.

**PremierCare Insurance is underwritten by IAG New Zealand Limited. BNZ arranges the policy as an agent for IAG New Zealand Ltd and receives a commission on any policies arranged through it. BNZ does not guarantee the obligations of IAG New Zealand Ltd. Full details of cover, and a copy of your policy document, is available at or on request from the PremierCare Team on 0800 808 618. The availability of any insurance cover is subject to approval of a completed application. Terms, conditions and exclusions do apply. BNZ disclosure statements are available on request and free of charge from any BNZ branch or our website.

***Only with our Flybuys Home Loan. Our home loan lending criteria and (including min. equity requirements), terms and fees apply. Not available for business purposes.

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