NOW Rewards Visa

 

More benefits. More flex. More NOW.

Enjoy the flexibility of interest free shopping and earn NOW Dollars on your everyday Visa spend*.

 

Flexible credit. Simple rewards.

Use your NOW Rewards Visa for everyday purchases anywhere Visa is accepted, and access long-term interest free finance on eligible purchases $250 and over*. You’ll also earn NOW Dollars on eligible everyday spend, giving you more value every time you shop.

 

Why get a NOW Rewards Visa?

- You can use it anywhere Visa is accepted.

- Earn 1 NOW Dollar for every $150 spent on eligible transactions:

- 1 NOW Dollar = $1 NZ Dollar to redeem at certain Participating Retailers.

- For example, 20 NOW Dollars = $20 NZ Dollars.

- Enjoy long-term interest free payment plans on eligible purchases – spreading your cost.

 

How do you apply?

Apply online at NOWvisa.co.nz

 

Rates and Fees

(current as of 4 May 2026 and subject to change).

Establishment fee: $55 (one-off).

Account fee: $34 charged 6-monthly.

Purchase interest rate: 26.65% p.a.

Cash advance rate: 29.40% p.a.

 

Interest free options

12 months interest free on purchases $250 and over^, available online and in store.

^NOW Rewards Visa terms and conditions, 12 months interest free terms and conditions, credit criteria, rates and fees apply. The 12 months interest free promotion is valid until 31 March 2027. Purchase interest rate of 26.65% p.a. applies to the outstanding balance after interest free term ends. Rates and fees are subject to change. Minimum monthly repayments must be made during the 12 months interest free period.

30 months interest free on purchases $499 and over, available in store only.

*NOW Rewards Visa terms and conditions, credit criteria, rates and fees (including a one-off $55 establishment fee and a $34 account fee charged 6-monthly) apply. Purchase interest rate of 26.65% p.a. applies to the outstanding balance after interest free term ends. Cash advance interest rate of 29.40% p.a. applies. Rates and fees are subject to change. NOW Dollars can be redeemed at certain Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free purchases. Visit NOWvisa.co.nz for more information.

 

Payment information

Minimum monthly payments of 3% of the outstanding balance or $20 (whichever is greater) apply. If you only make the minimum payment, you may not repay your balance before the interest free period ends.