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Earning BNZ Rewards as a joint or additional cardholder

With BNZ Rewards, you’ll earn BNZ Points^ which can be redeemed for rewards such as travel, eGift cards, and cash back to your credit card account.

Joint cardholders

BNZ Points earned on purchases using a jointly held BNZ Advantage Visa Classic or Platinum credit card will be divided evenly between both cardholders. This is regardless of which joint cardholder made the purchase.

Example

Jane and Sam share a joint credit card account. If Jane uses the joint card to buy groceries and earns 100 BNZ Points, these will be shared evenly between them. 50 BNZ Points will go into Jane’s Rewards account, and 50 BNZ Points will go into Sam’s Rewards account. Jane and Sam can then individually choose how to redeem their rewards.

Sharing your BNZ Points with a joint cardholder

You can send your BNZ Points to a joint cardholder so they can redeem them for rewards. The BNZ Points that you send will be deducted from your points balance and available to your selected joint cardholder to redeem immediately.

Additional cardholders

An additional cardholder added to a BNZ Advantage Visa card will not earn BNZ Points. However, any eligible transactions processed using the card will accumulate BNZ Points and be credited to the primary cardholder’s BNZ Points balance.

Understanding your statement

If you choose to redeem your BNZ Points for cash back to your credit card account, this will be shown on your credit card statement. If both joint credit cardholders have chosen to redeem BNZ Points for cash back to the credit card account, this will appear as two separate credits.