Product
Provider
Rate
Fee
Annual fee
$0/yr
Rates and fees
Annual fee$0
Interest-free daysUp to 44 days
Foreign transaction fee2.25%
Rewards
ProgrammeBNZ Points
Rewards typePoints
Earn rate~1 point per $1 spent
Features
Contactless
Apple Pay
Google Pay
InsuranceTravel insurance (reduced)
Additional benefitsRewards devalued ~26% from Feb 2026
NotesMajor changes effective 3 Feb 2026