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NOW Rewards Visa

NOW Rewards Visa

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


Earn rewards

Pay now and earn NOW Dollars on your everyday Visa spend.* Every time you spend $150 on Eligible Transactions youā€™ll earn 1 NOW Dollar.
1 NOW Dollar = $1 NZ Dollar.

Long-term interest free deals

Bring your big plans to life. Whether itā€™s that shiny new bigā€‘screen TV or a few extra upgrades for your car, longā€‘term interest free* plans make it easy ā€” spreading your costs over 6ā€“60 months so you can enjoy more NOW.

More NOW

Spend your NOW Dollars or save them for something special. You can redeem them online or in store at Participating Retailers.

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Ā  *NOW Rewards VisaĀ terms and conditions, credit criteria,Ā ratesĀ and feesĀ (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 Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-termĀ interestĀ free purchases. VisitĀ NOWvisa.co.nzĀ for more information.



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

Payments

Ā  Minimum monthly payments (3% of the outstanding balance or $20, whichever is the greater) and any charges eligible for deferred payment will not apply until expiry of any Deferred Payment Plan but must be made during the Interest Free Term. If you make only the minimum monthly payment, you may not pay off your purchase before the expiry of the Interest Free Term. So, if you can, always pay more than the minimum amount due. VisitĀ NOWvisa.co.nzĀ for more information.

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