bnz lite visa travel insurance

COVID-19 Policy Information

Am i covered for medical expenses for covid-19.

You are covered for reasonable and necessary overseas medical and associated expenses, including medical, hospital and ambulance costs and medical evacuation or repatriation up to a maximum of $350,000, if you, your accompanying spouse, or your accompanying dependent children are medically diagnosed with  COVID-19 while travelling overseas.

Age limits apply. Persons 75 years or over are only covered for medical expenses if they have purchased mature traveller cover.

Coverage is subject to the terms and conditions of the insurance policy, including any applicable limitations and exclusions.

Am I covered for cancellation expenses if I contract COVID-19?

You are covered for cancellation expenses up to $100,000 if you or your relative are medically diagnosed with COVID-19 and are unable to commence or continue your trip. This includes the non-refundable unused portion of travel or accommodation arrangements paid for in advance if you need to cancel, alter or curtail your trip.

Age limits apply. Cancellation cover for persons 75 years or over is limited to $5,000 unless mature traveller cover has been purchased.

Am I covered for cancellation or other expenses due to lockdown or border closures?

No, cancellation is only covered if you or your relative have been medically diagnosed with COVID-19.

Am I covered for COVID-19 claims other than cancellation or medical expenses?

No, except as described above where you’re claiming for cancellation or overseas medical expenses as a result of being medically diagnosed with COVID-19.

Am I covered for the cost of obtaining a negative COVID-19 test to board my flight?

No. If the reason you need a COVID-19 test is to meet the requirements of an airline, or to enter any location then this is not considered unforeseeable and is not covered. 

What should I do if I think I have COVID-19 while I’m travelling?

If you believe you need a test for COVID-19 whilst travelling because you are aware of having close contact to someone with COVID-19, or you are showing symptoms, then you should follow the health guidelines of local authorities in the area. You can contact AIG Travel if you need help to locate a testing location.

Rental Vehicle Excess Cover

What is rental vehicle excess cover.

Benefit Section G Overseas rental vehicle hire, does not cover the vehicle itself. It does cover the excess or deductible you become legally liable to pay in the event of damage to, or theft of your rental vehicle.

What is the definition of a rental vehicle for the purposes of this policy?

For overseas travel policies available to BNZ Advantage Visa Platinum cardholders and BNZ Advantage Business cardholders the following is the relevant definition of rental vehicle:

Rental vehicle – means a motor vehicle rented or hired by you during your journey from a recognised motor vehicle rental company for the private carriage of passengers. It does not include any vehicle designed to be used for the carriage of commercial goods.

For definitions and information about domestic rental vehicle cover for BNZ Advantage Visa Platinum cardholders only, please click here . 

Eligibility and Activation

I am a bnz advantage visa platinum cardholder, what am i eligible for.

If you are a BNZ Advantage Visa Platinum cardholder, you are eligible for overseas leisure travel benefits, and domestic rental vehicle benefits.

These benefits are provided by the 90 Day Platinum International Leisure Travel Insurance policy, and Domestic Rental Vehicle Collision Damage and Theft Excess Cover Policy. Both of these policies are found in the BNZ Advantage Visa Platinum Credit Card Insurances brochure . 

To check if your particular itinerary is covered, go to the homepage and complete the eligibility questionnaire  check your cover . If your trip is covered, we will tell you at the end of the questionnaire and send you confirmation by email.

All overseas travel benefits are available only for trips from and back to New Zealand.

The BNZ Advantage Visa Platinum overseas travel insurance only covers you for leisure travel.

You are not eligible for cover for any work-related activities unless you are also a valid BNZ Advantage Business cardholder. 

I am a BNZ Advantage Business Cardholder, what am I eligible for?

If you are a BNZ Advantage Business Cardholder, you are eligible for overseas travel insurance cover, including for business trips. The cover is detailed in full in the BNZ Advantage 35 day business international travel insurance brochure. Hazardous work activities remain excluded so please review the policy wording to ensure the cover is suitable for your individual requirements.

To check if your itinerary is covered, go to Check Your Cover .  If your trip is covered, we will tell you at the end of the questionnaire and send you confirmation by email.

I am a dual holder of BNZ Advantage Visa Platinum & Advantage Business cards what am I eligible for?

As BNZ Advantage Business Card holder you are eligible for overseas travel insurance that includes cover for business trips. As an Advantage Visa Platinum Cardholder you can also be covered for trips of up to 90 days. The benefits of holding both cards are described in part 2 of the BNZ Advantage Visa Platinum Credit Card Insurances brochure . 

You may also be covered under the Domestic Rental Vehicle Collision Damage and Theft Excess policy but renting a vehicle for business use is not covered under this policy, even if you hold a BNZ Advantage Visa Business Card.

All overseas travel benefits are available only for trips from and back to New Zealand. To check if your trip is covered, go to Check your cover .  If your trip is covered, we will tell you at the end of the questionnaire and send you confirmation by email.

Can you send me confirmation that I have cover for my trip?

Yes, go to  check your cover  and complete the questionnaire and you will be able to print a copy of the outcome of your assessment.

If you provide your details at the end of the questionnaire, we will also email you a certificate confirming your cover.

Do I have to let you know when I am travelling to activate my cover?

No. There is no requirement to call us to advise when you are travelling. You will be eligible for cover when you have met the eligibility or activation requirements subject to the terms, conditions and exclusions of your applicable policy.

If you want to check that you have met the eligibility or activation requirements and get extra peace of mind once you have your trip planned, or if you need confirmation documents for any reason, go to Check Your Cover  and complete the questionnaire.

Does the policy have age limits?

Yes, for details about age limits applying to the policy please click here .

Am I covered if I don't have a return ticket?

No. To be eligible for cover you must hold a return travel ticket for your travel  when you depart New Zealand   that shows a return date within the maximum duration of cover which is 90 days for BNZ Advantage Visa Platinum Cards, and 35 days for BNZ Advantage Business Cards. If you hold both an Advantage Platinum AND an Advantage Business card, then the 90-day limit applies to you.

The return ticket requirement applies at the time your trip starts. If prior to departing New Zealand, you have paid some expenses for your trip but you do not hold a return ticket, you may still be covered for cancellation expenses if you have to cancel your trip. This is subject to normal policy terms, conditions and exclusions. 

I am travelling on stand-by tickets. Does this count as a return travel ticket for activation purposes?

If you hold a stand-by ticket for your return travel that is dated within the standard duration of cover for your card type at the time you depart New Zealand, then you will be considered by us as having satisfied the return ticket requirement. However, the maximum journey period will still apply and you will have no cover under the policy if your trip exceeds the standard duration of cover as a result of your stand-by ticket status.

This means no claims will be paid even if the loss occurred within the standard duration of cover.

In addition there is no cover for any costs or losses arising from any itinerary changes arising directly or indirectly from your holding a stand-by ticket.

I have registered with the AIG Travel Assistance App or website, does this mean I have confirmed cover for my trip?

No. The AIG Travel Assistance App including the desktop website version are a complimentary service provided to you to help keep you safe and connected whilst you are travelling.

To check if you have cover for each and every trip, go to  check your cover  and complete the questionnaire.

I am travelling for longer than the standard period of cover afforded under my card, will I be covered?

If you require cover for a period of travel that is longer than the standard duration limit of your applicable card, you will not be covered for any part of your itinerary unless you apply for, and we accept your duration buyout.

To complete a duration buyout use the  check your cover  questionnaire - if we accept your application a premium will be payable.

The maximum period you can apply to cover by duration buyout is 180 days. For more information on maximum duration limits click  here .

I normally live in a country other than New Zealand - can I activate my travel itinerary living outside of New Zealand?

No. This policy only covers trips starting and finishing in New Zealand. In addition, you must be residing in New Zealand and returning to New Zealand to live at the end of your journey.

Am I eligible for domestic travel cover within New Zealand?

Overseas travel benefits are not available for purely domestic travel.

However, for BNZ Advantage Visa Platinum cardholders there is a new benefit available from 1 December 2021 - "Domestic Rental Vehicle Collision Damage and Theft Excess Cover"

Click  here  for more on domestic rental vehicle excess cover.

What is my policy number?

Your policy number is the first 6 digits of your individual credit card number.

If you have completed the online questionnaire  check your cover and we have sent you a confirmation letter this will show a certificate number specific to your questionnaire answers for that specific trip only. 

You can reference either policy number when contacting AIG Travel.

Is there an excess on each claim?

An excess of $200 is applicable to each and every claim arising from the same event under each of the following sections:

Benefit Section A: Travel cancellation before your journey starts

Benefit Section B:Travel cancellation after your journey starts 

Benefit Section C: Overseas medical expenses

Benefit Section D: Unexpected travel expenses

Benefit Section F: Luggage, personal belongings and travel documents

Benefit Section G: Overseas rental vehicle hire

Benefit Section J: Personal liability

Benefit Section L: Epidemics and pandemics

Only one excess applies if you make more than one claim because of a single event. If you claim for two or more separate unrelated claim events two excesses shall apply. If a family claims, only one excess shall apply to each claim event.

Cover for family members

How do you define dependent children.

Dependent children means your children (including your step children and any legally adopted children) who are: a) unmarried; and b) under 19 years of age and living with you; or c) under 25 years of age and are registered as a full-time student at an accredited tertiary education provider.

How do you define Spouse?

Spouse means your spouse or de facto partner with whom you have continuously cohabited for a period of three (3) consecutive months or more immediately preceding the commencement of your journey.

Can my spouse who also has a card be covered if he/she is traveling on a different itinerary?

The policy only covers  accompanying  spouses and or dependent children.

Accompanying means departing and returning with and following the same general itinerary as the BNZ Advantage Visa Platinum Cardholder during a journey, however allowing for overnight or day excursions (not exceeding a maximum of five (5) nights or 20% of your journey, whichever is the lesser) during the journey that the BNZ Advantage Visa Platinum Cardholder and their family may not undertake together.

If your spouse is not  accompanying   you they will not be covered. 

If your spouse is a joint and/or additional cardholder, they can be covered in their own right as long as they meet the normal cardholder eligibility criteria (BNZ Advantage Visa Platinum Cardholders) and activation criteria including minimum pre-paid spend for BNZ Advantage Business Cardholders.

Will my family be covered if I have paid for their trip on my card and I am not travelling with them?

No. Spouse and dependent children are only covered if they are accompanying a cardholder who has met the activation requirements for a cardholder travelling with their family.

Family members who are joint or additional cardholders may be eligible for cover subject to meeting the activation requirements.

Can I buy additional cover to extend this insurance so other family members accompanying me (who do not fall within the definition of Spouse and/or Dependent Children) will be covered?

No. This insurance is available only to you and your spouse and dependent children as defined in the policy. If members of your travelling party do not meet the definition of spouse and/or dependent children, they cannot be covered under the policy.

Medical Cover

Does this policy provide cover for medical expenses.

Yes, however there are some limitations on medical cover, including:

There is no automatic cover under this policy for any event that is caused by or arises because of any pre-existing medical condition - including a pre-existing medical condition of yours or someone else on whom your travel relies.

There is no automatic medical cover for mature travellers, 75 years or older as at your departure date from New Zealand, unless you have purchased mature traveler cover .

To apply for cover your pre-existing medical conditions (you cannot apply to cover the pre-existing medical conditions of anyone other than yourself) or mature traveler cover, complete the Check Your Cover  questionnaire.

If we accept your application for cover of your pre-existing medical conditions, a premium will be payable.

Are Pre-existing medical conditions covered?

No, pre-existing medical conditions are not covered unless we have assessed and accepted your conditions and you have paid the applicable premium. To apply for cover please complete the Check Your Cover  questionnaire. A separate application is required for each and every trip and the results of our assessment and the required premium can change between different assessments.

Is pregnancy covered?

There is no cover for pregnancy or childbirth of yours, your relative, business partner or traveling companion. This exclusion does not apply where costs are incurred because of your unforeseeable medical complications or emergencies which occur before the 26th week of your pregnancy.

Is pregnancy a pre-existing medical condition?

We do not consider uncomplicated pregnancy to be a pre-existing medical condition and you cannot apply to cover pregnancy. Medical complications relating to pregnancy, such as diabetes in pregnancy, are considered pre-existing medical conditions and you can apply to cover such medical complications. If such complications are covered, such cover remains subject to normal policy terms and conditions and is therefore only in force up to the 26th week of your pregnancy.

My medical screening shows a 'Linked Condition' what does this mean?

When you complete our pre-existing medical conditions questionnaire to apply for cover for your pre-existing medical conditions your results may show specific references to 'Linked Conditions' which you included in your declaration. These are conditions that are directly medically linked to those conditions declared by you on your application. Where you have a condition or set of conditions for which we are unable to provide cover, any conditions on your assessment outcome which are noted as 'Linked Conditions' will similarly be excluded from cover.

Activities and Work

Am i covered if i take part in high-risk or adventure activities.

The policy provides cover for most normal tourist activities that are provided, guided or supervised by a local licensed commercial operator, such as: • Cruises; • Snow sports within marked commercial skifield boundaries; • Treks, hikes and tramps below 3,000 metres altitude; • Bungy jumping, zip-lining and white water rafting; 

always provided such activities are available to the general public without restriction (other than height or general health and fitness warnings).

Hazardous activities are not covered, this includes

• Racing (other than on foot),
• Snow sports conducted outside the marked boundaries of a commercial ski field,
• Mountaineering ,
• Treks, hikes and tramps above 3,000 metres,
• Expeditions to high risk, remote, inaccessible and/or inhospitable locations, 
• Rock-climbing,
• Big wave surfing,
• Cliff-jumping,
• Horse jumping or horse polo,
• Bicycle, motor, air or sea craft speed trials or stunts;
• Sailing outside of territorial waters,
• Parachuting, BASE jumping, sky diving or travel in any other air supported device (other than as a passenger in a licensed passenger aircraft operated by an airline or charter company),
• Hunting trips,
• Competition sports (including training for competition sports) where such sporting activity is for an organized event or a contest that is of a physically demanding, acrobatic and/or combative nature. 

Am I covered for business related travel?

You are only covered for business related travel if you are a current and valid BNZ Advantage Business cardholder, or a dual BNZ Advantage Platinum Visa cardholder / BNZ Advantage Business cardholder. 

If you are a dual cardholder, you are covered for up to 90 days for work related activity. There are cover restrictions including cover exclusions for certain types of work. 

Refer to the either the BNZ Advantage 35 day business international travel insurance brochure or Part 2 of the BNZ Advantage Visa Platinum Credit Card Insurances brochure (if you a dual BNZ Advantage Platinum Visa cardholder / BNZ Advantage Business cardholder)  for details of the types of work that can be covered and the terms attaching to cover. 

If you are still unsure if you are covered for your work-related activities call us on 0800 269 872

On my trip I am going skiing (or snowboarding), does my policy cover me for this?

Snow sports within marked commercial skifield boundaries are covered.

There is no cover for snow sports conducted outside the marked boundaries of a commercial skifield, or any professional sporting activities.

I am travelling to take part in an international sporting competition. Will I be covered under the policy?

There is no cover under the policy for professional sporting activities. If you are being paid for your involvement, or there is any prize money involved in the competition, or you have been selected to represent a national sporting body, then we consider the activity to be professional. Racing (other than on foot) is a general exclusion under the policy and other hazardous sports are also excluded.

Please contact us for individual consideration on 0800 269 872 if you are unsure whether the sporting competition you are planning to participate in might be considered professional.

Am I covered if I am going on a trek or hike?

Guided treks or hikes that are arranged by a licensed commercial operator following established trekking routes will be covered, however the policy specifically excludes mountaineering or rock climbing involving the use of climbing equipment, ropes or guides, and any trekking activity above an elevation of 3,000m. If you are unsure whether your trekking activities will be covered call us on 0800 269 872.

Am I covered while riding a motorcycle?

Motorcycling (either as a rider or passenger) is a covered activity as long as the following conditions are met:

It is a a two-wheeled motorcycle of 125cc or less and you or the person in control of the motorcycle holds a current and valid motorcycle license for the country the motorcycle is being operated in;  or

It is a two-wheeled motorcycle that is 126cc or greater and you or the person in control of the motorcycle holds a current and valid license for the motorcycle in their home country and the country the motorcycle is being operated in; and

At all times, local road rules are being adhered to and a motorcycle helmet and appropriate safety gear is being worn. 

Is SCUBA diving covered?

SCUBA diving is a covered activity as long as the following conditions are met:

a) it is diving for recreational purposes (for the purpose of clarity, recreational diving does not include technical diving or diving as a professional diver); and

b) You are diving with a qualified dive instructor or dive master, or you hold a PADI certification or similar recognised certification and are diving within the level of your certification (including maximum dive depths and bottom time) and to the standards and procedures set up by your certifying agency; and

c) Subject to (b) above your planned dive depth does not exceed 40 metres; and

d) You are not diving alone;

I will be sailing ocean waters in a private yacht - is this activity covered?

Sailing outside of territorial waters is excluded.

You will still be covered for coastal sailing (within 12 nautical miles of shore), provided normal precautions are taken, such as ensuring the vessel is well maintained, skippered by a person with suitable experience, and equipped with lifejackets.

Other policy benefits

I am travelling with high-value items - are these covered under the policy cover for luggage and personal effects.

Luggage, personal belongings andtravel documents are subject to a per item limit of $2,000. You can specify items over that amount (to a maximum of $10,000 for all specified items) for an additional premium.

This specified item extension will only increase the limit any one item, not the policy limit under Benefit Section F. Luggage, personal belongings andtravel documents

If you would like to specify an item(s), go to the Check Your Cover questionnaire and add cover for high value personal items.

In the event of a claim, you will also need to provide proof of the value of the item such as a purchase receipt, or in relation to items of jewellery, a valuation of less than 12 months provided by a registered valuer.

When I specify items does the maximum amount payable under the section increase?

No. The maximum payable under Benefit Section F. Luggage, personal belongings and travel documents remains the same even if you nominate items for extended cover.

Is sporting equipment covered?

There is no cover for loss or damage to sporting equipment whilst in use. Items are subject to normal terms, conditions and exclusions under Benefit Section F. Luggage, personal belongings and travel documents while they are not being used. 

Can I specify sporting equipment under the policy?

No. Sporting equipment cannot be specified under your policy.

What should I do if I am considering cancelling a trip?

If you are aware that you may have to cancel a planned trip the policy conditions require you to minimise the total cost of cancellation. For instance, you should also cease paying any further pre-paid travel costs that may not be refundable. Once you have decided to cancel you should contact airlines or other providers to request refunds.

If you are not able to obtain a refund but you can obtain a credit to use later, you should accept that option. If it turns out that you are unable to use the credit before it expires you can contact us when the credit expires and we will reopen an existing claim or you can lodge a new claim, regardless of how long it has been since the original trip was cancelled.

What is the Accidental Death and Disablement common carrier benefit?

This benefit (included with BNZ NZ Advantage Visa Platinum cards only) provides a lump sum payment if you suffer death or disablement because of an accident while you are travelling on or in a common carrier, including boarding and alighting, during your journey.

This section of the policy has additional activation requirements, over and above the normal policy activation criteria. In addition to the normal policy activation criteria, you must have charged the full cost of your common carrier ticket (and that of any accompanying dependent child or spouse) to your applicable card.

Common Carrier is a commercial aircraft, bus, train or vessel which carries passengers on regular routes at set rates.

If I have not met the requirements for Accidental Death and Disablement (common carrier) cover will this affect the rest of my cover under the policy?

No. While you will not be eligible for Benefit Section H3; the benefit of "Accidental death and disablement common carrier, you can still be covered under your overseas travel insurance policy for all other benefits - including Benefit Section H1: Accidental Death - provided you meet the normal policy eligibility criteria.

• Terms and Conditions
• Privacy Policy

BNZ Advantage Visa Platinum Credit Card Travel Insurance and BNZ Advantage Visa Business Credit Card Travel Insurance (‘Insurance’) is subject to the terms, conditions, exclusions (for example business travel, age limitations etc.) and eligibility criteria contained in the policy document. You should read the policy document to make sure that the Insurance meets your needs. The Insurance is provided to Platinum Advantage and Business Advantage cardholders by AIG Insurance New Zealand Limited (‘AIG’) under an agreement with BNZ. BNZ does not underwrite the Insurance, is not an agent of AIG, and does not guarantee the obligations of AIG. Premiums are payable for policy extensions such as pre-existing cover, duration extension and specified items.

This portal is owned and managed by AIG for the purposes only of delivering AIG insurance services. BNZ does not have access to this portal, does not collect any personal information via this portal and has no liability in relation to this portal. For more information about AIG’s privacy practices, please check AIG’s privacy statement at www.aig.co.nz/privacy-policy .

The AIG Logo is a registered trademark. Insurance products and services are provided by AIG Insurance New Zealand Limited. Terms, conditions and exclusions apply. You should read the Policy Wording and Schedule of Benefits considering your personal circumstances, prior to making any decision to acquire the product.

• Credit Card Rewards

BNZ Wins Canstar’s Most Satisfied Customers | Rewards Credit Cards Award 2023

Posted by Bruce Pitchers August 11, 2023

Congratulations to BNZ, the winner of Canstar’s award for Most Satisfied Customers | Rewards Credit Cards .

How do you like your credit card rewards? Across credit cards, the rewards on offer break down into two categories:

• Cashback – cold hard cash, credited to your credit card account
• Rewards – for example Flybuys or Airpoints™, which you can put towards flights and other goodies

While free money is always is nice, Canstar’s latest research into rewards credit cards reveals more Kiwis prefer rewards (41%) to cashback (29%). And, regardless of the freebie on offer, the majority of rewards credit cards users know how to boost their returns. Well over half of those in our research (56%) use their cards for all their day-to-day purchases, to maximise their reward earnings.

To complement the Canstar research team’s annual deep dive into the best rewards cards on the market – which crunches the numbers on pricing and features – we also ask thousands of everyday Kiwis to rate their credit card providers.

For this year’s award, we talked to 1135 rewards cards users and asked about their satisfaction levels with their card providers across the following categories:

• Overall Satisfaction
• Fees & Charges
• Communication
• Customer Service
• Interest Rate
• Online Banking/Mobile Apps
• Rewards Program
• Privacy & Security
• Value for Money

Of the six rewards credit card providers in our survey – Amex, ANZ, ASB, BNZ, Kiwibank and Westpac – BNZ was the clear favourite of Kiwi credit card customers, earning strong ratings across every one of the judged categories.

BNZ’s Most Satisfied Customers | Rewards Credit Cards win comes on the back of its rewards cards earning a Canstar 5-Star Rating for Outstanding Value in the $24k & $60k Annual Spend brackets in our Credit Card Award and Star Ratings earlier in the year.

→ For our 2023 Credit Card Award and Star Ratings click here

Bnz rewards: what’s on offer.

BNZ Rewards offers a wide range of redemption choices, including travel and accommodation options, gift cards, cash backs and Flybuys.

You can redeem the BNZ Points you earn on your BNZ rewards credit card to:

Book Travel

• Choose and book flights from over 800 airlines worldwide through the BNZ website
• Use BNZ Points or combine them with cash to book your flights

Redeem for Cash

• Redeem your BNZ Points for cash paid onto your credit card at any time, or set up an automatic monthly redemption

Transfer to Partners

• Transfer your BNZ Points to other loyalty programs. Choose from a wide range of airline and hotel partners, including Accor, IHG and Wyndam hotel reward programs and airline rewards from Qantas, Qatar, United, Emirates, Etihad, British Airways and Cathay Pacific

Transfer to Flybuys

• Use your BNZ Points by transferring them to Flybuys, to access a wide range of rewards, deals and bonus offers. 40 BNZ Points = 1 Flybuys

Purchase eGift Cards

• Use BNZ Points to purchase an eGift card from a wide range of retailers. Treat yourself, or someone else, with a digital gift card that’s emailed instantly

BNZ’s Credit Cards: What’s on Offer?

Whether you’re after a card with rewards, or one with low fees, BNZ’s range of award-winning credit cards has a card to match your spending profile:

BNZ Lite Visa

• Up to 55 days interest free

Fees and charges:

• $30 annual fee
• Additional card: $3 p.a.
• Purchase interest rate: 12.90% p.a.
• Cash advance interest rate: 22.95% p.a.

Compare Low Rate Credit Cards

BNZ Advantage Visa Classic

• Choose your rewards: Cash Rewards or Flybuys
• $40 spend = 1 Flybuys
• $1 spend = 1 BNZ Point ($150 spend = BNZ Points equivalent to $1 cash back)
• $40 annual fee
• Additional card: $12 p.a.
• Purchase interest rate: 20.95% p.a.

Compare Rewards Credit Cards

BNZ Advantage Visa Platinum

• $20 spend = 1 Flybuys
• $1 spend = 1.67 BNZ Points ($90 spend = BNZ Points equivalent to $1 cash back)
• Up to 90 days free travel insurance (Exclusions, T&Cs apply)
• Domestic rental vehicle excess insurance (Exclusions, T&Cs apply)
• Concierge service
• Minimum credit limit $8000
• $90 annual fee
• Additional card: $20 p.a.
• Purchase interest rate: 18.95% p.a.
• Cash advance interest rate: 18.95% p.a.

Check out our 2023 Most Satisfied Customers | Rewards Credit Cards Award here!

Compare credit cards with Canstar

If you’re looking for a new credit card, then let Canstar be your guide. Perhaps you want one with a low interest rate, or low fees, or want to swap your rewards card from points to cash. Our free credit card comparison tool compares all the major cards in the market and awards the best our prestigious Star Ratings. For more information on credit cards and to compare further, just click on the big button below.

Compare credit cards with Canstar here!

About the author of this page

This report was written by Canstar’s Editor, Bruce Pitchers. Bruce has three decades’ experience as a journalist and has worked for major media companies in the UK and Australasia, including ACP, Bauer Media Group, Fairfax, Pacific Magazines, News Corp and TVNZ. Prior to Canstar, he worked as a freelancer, including for  The Australian Financial Review , the NZ Financial Markets Authority, and for real estate companies on both sides of the Tasman.

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Compare credit card rewards, nz's best credit cards.

NZ's Best Rewards & Airpoints Credit Cards

TSB Wins Canstar's Most Satisfied Customers | Credit Cards Award 2023

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BNZ credit cards

Compare and review BNZ credit card features, rates, and fees. Make an informed decision about your next credit card.

By Bill Ryan Natividad   |   Verified by David Boyd   |   Updated 19 Oct 2023

Comparing BNZ credit cards

BNZ Lite Visa Credit Card

Balance transfer, purchase rate.

12.9% p.a. ongoing

$30.00 p.a. ongoing

• Low ongoing rate of 12.90% p.a. on purchases.
• $30 p.a. annual fee.
• Up to 55 interest-free days on purchases.
• Low rate on purchases.
• Compatible with Apple Pay and Google Pay.
• Cheap to add additional cardholders.
• The cash advance rate of 22.95% p.a.
• No interest-free balance transfer offer.

BNZ Advantage Classic Credit Card

20.95% p.a. ongoing

$40.00 p.a. ongoing

• Earn 1 Flybuys point per $40 or 1 BNZ Point per $1 of eligible spend.
• Transfer BNZ Points to a range of airline and hotel partners.
• $40 p.a. annual fee. Up to 55 interest-free days on purchases.
• Earn rewards points or cashback on eligible purchases.
• BNZ Rewards has several airline and hotel transfer partners for increased flexibility.
• Relatively low annual fee.
• Cheap to add an additional cardholder.
• No complimentary travel insurance.
• The cap on additional cardholders is limiting.
• Ongoing rates are nothing special.
• Airpoints is not a transfer partner.

BNZ Advantage Visa Platinum Credit Card

18.95% p.a. ongoing

$90.00 p.a. ongoing

• Earn 1 Flybuys point per $15 spent or 1.6 BNZ Points per $1 spent. Eligible purchases only.
• 18.95% p.a. interest rate on cash advances and purchases.
• Comes with complimentary travel insurance.
• BNZ Points can be transferred to a range of airline and hotel partner programs.
• Includes international and domestic travel insurance, rental vehicle excess insurance, and emergency travel assistance.
• Access to the concierge service.
• Supports Apple Pay and Google Pay digital wallets.
• No sign up bonus points on offer.

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At Finty we want to help you make informed financial decisions. We do this by providing a free comparison service as well as product reviews from our editorial staff.

Some of the products and services listed on our website are from partners who compensate us. This may influence which products we compare and the pages they are listed on. Partners have no influence over our editorial staff.

For more information, please read our editorial policy and find out how we make money .

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

  Credit Card Travel Insurance | The Truth  

When planning a holiday, oddly, travel insurance is often the first expense to bite the dust with budget-conscious travellers. Utilising complimentary travel insurance offered by your credit card could be the answer, but you’ll need to know the ins and outs. You’ve already paid the credit card annual fee – so why not use the free travel insurance?! Like most insurances, the true value of the policy only becomes apparent when it is time to make a claim, and then…it could be too late. If you fall outside the fine print of a travel insurance policy and the insurer refuses to pay up, what seemed like a bargain at the time, could end up being a daft deal. Cost aside, the most important thing to consider when taking out any travel insurance policy is that you understand what you are covered for and any restrictions that apply. The same applies for ‘free’ credit card travel insurance.

Not all credit cards offer travel insurance

• Firstly, uncertainty around what customers need to do to kickstart their travel cover; and
• Secondly, who is covered under the policy.

Activate your travel cover

• Auto-Activation on Purchase:   In most cases, your travel insurance is automatically activated when making any travel-related purchases on the card, such as flights and accommodation.
• Notify Your Card Provider:  On other cards, you may need to notify your card provider when you wish to activate your travel insurance. ​

Know who is covered

Consider your trip length, other traps to look out for.

The term 'free' does not necessarily mean 'free'. Credit cards that provide ‘complimentary’ travel insurance typically have annual fees ranging from $87 to over $500. If you're a healthy, savvy traveller who takes more than two standard short trips a year, credit card travel insurance could be the winning ticket. When you compare the card annual fee cost to the cost of standalone travel insurance, it may save you some cash. It’s good to weigh up the options but make sure you read the terms of cover paying particular attention to exclusions. Be it business or leisure, there are many affordable options out there for covering your travels. Your focus should be ensuring you have  enough cover for your planned trip.  Use our comparison to instantly compare  travel insurance quotes and levels of cover from 20+ reputable travel insurance companies . 

• Who doesn't love 'free' stuff!?

Activate your 'free' travel insurance

Eugene Wylde

Eugene is the king of insurance! Having spent more than ten years raising awareness on the importance of holiday protection, he is a self-confessed insurance geek extraordinaire when it comes to the world of travel cover. Eugene loves helping people save time, worry and loads of money with the right policy at the right price. His ideal holiday is any one where he has a pina colada in his hand. Salut!

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CoverDirect NZ Limited (INC 3526051) owns and operates this website.

Our comparison is a free service that makes it easy for users to compare multiple quotes, saving both time and money. Our comparison ranks quotes according to price and is limited to those insurers that have agreed to participate on the site. CoverDirect NZ Limited does not hold a financial services licence. The comparison does not take your personal circumstances into account; as such, all information provided should be considered general and should not be considered as advice or a recommendation. Whilst we take all reasonable care when preparing this information, we do not warrant its accuracy. Pricing information is supplied by the insurance providers and ALL policy details should be verified with the before you purchase. This site links users to the website of the insurance provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase. We do not issue insurance. Users purchase directly from the travel insurance provider.

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BNZ Platinum visa card Overseas travel insurance - New Zealand Forum

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Has anyone used BNZ credit card for travel insurance overseas. Unsure whether to use it.??

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