Terms & Conditions
*BNZ lending criteria, the relevant credit card terms and conditions and account fees apply. Rates and fees subject to change.
**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.
**Flybuys terms and conditions apply. Flybuys earn rates are subject to change without notice. BNZ (and its related companies) do not guarantee the collection or redemption of Flybuys or that Flybuys will continue to be offered for products or services provided by them. It may take up to 16 days for your contributions to show in the member’s BNZ KiwiSaver Scheme account.
1. BNZ Investment Services Limited, a wholly owned subsidiary of BNZ, is the Issuer and Manager of the BNZ KiwiSaver Scheme. A Product Disclosure Statement is available on www.bnz.co.nz or at BNZ branches.
2. All home loans are subject to BNZ lending criteria (including minimum equity requirements), terms and fees. Interest rates are subject to change. An establishment fee of up to $400 may apply for personal lending (the fee may be different for non-personal lending). Not for business purposes.
3. 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 bnz.co.nz/policy-documents 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.
Life insurance is underwritten by BNZ Life Insurance Limited ("BNZ Life") and it is not an obligation of BNZ. The obligations of BNZ Life are not guaranteed by its related companies, including National Australia Bank Limited and BNZ, or any other parties. BNZ arranges life insurance as an agent for BNZ Life and receives commission on any policies it arranges. Terms, conditions, and exclusions do apply. Flybuys are not available on credited premiums. BNZ (and its related companies) do not guarantee the redemption of Flybuys or that Flybuys will continue to be offered on their products/services. Flybuys will no longer be offered on premiums for BNZ Life policies after the completion of the sale of BNZ Life to Partners Life Limited. For more information on the sale see BNZ Life sale.