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 you’ll earn 1 NOW Dollar.
1 NOW Dollar = $1 NZ Dollar.
Long-term interest free deals
Bring your big plans to life. Whether it’s that shiny new big‑screen TV or a few extra upgrades for your car, long‑term interest free* plans make it easy — spreading your costs over 6–60 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.
Disclaimer
*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 Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free purchases. Visit NOWvisa.co.nz for more information.
Rates and Fees (current as of 4 May 2026 and subject to change)
$55 |
$34 |
26.65% p.a |
29.40% p.a |
|---|---|---|---|
| A one-off Establishment fee |
Account fee, charged 6-monthly |
Purchase Interest Rate | Cash Advance Rate |
Payment
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. Visit NOWvisa.co.nz for more information.
