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Own your moments with NOW Rewards Visa
For a limited time only: Earn Double NOW Dollars* when you use your NOW Rewards Visa on everyday Visa spend. Don’t miss out. Offer ends 30th November.
Why NOW Rewards Visa?
Long-term interest free plans
More benefits. More flex. More NOW.
Pay over time and breathe easy with long-term interest free* payment plans at Participating Retailers.
Earn NOW Dollars on everyday spend
Earn NOW Dollars on your everyday Visa credit card spend. Get 1 NOW Dollar for every $150 spent on eligible purchases#.
A little extra when it matters most
Use your NOW Dollars for a treat or to ease the cost of everyday essentials.
1 NOW Dollar = $1 NZ Dollar
to be redeemed at certain Participating Retailers.
12 months interest free
Automatically enjoy 12 months interest free on everyday purchases $250 and over at Participating Retailers^.
What you need to apply
We make navigating your NOW Rewards Visa application as simple as possible.
Here’s what you need to get started:
- Be a New Zealand citizen or permanent resident and living in New Zealand
- Be at least 18 years old
- Be earning or receiving a regular income
- Have your income and expenses information on hand
- Present valid proof of identity (driver license or passport)
The information we ask you to provide is used to assess your application as part of our responsible lending obligations. If you have more questions about applying for a NOW Rewards Visa credit card, you may find answers to them here.
Terms of use and rates & fees
One-off establishment fee
6-monthly account fee
Additional card fee
Late payment fee
29.40 % p.a.
Cash advance interest rate
26.65 % p.a.
Purchase interest rate
Other Fees
Overseas currency conversion fee | 2.00% of transaction |
Cash advances fee – Domestic ATM | $1.00 |
Cash advances fee – Overseas ATM | $2.00 |
Cash advances fee – Domestic over the counter | $5.00 |
Cash advances fee – Overseas over the counter | $7.50 |
Paper Statement fee | $1.00 per statement |
Statement copy fee | $5.00 |
Replacement card fee | $5.00 |
Disputed transaction fee | $10.00 |
Over the counter fee per transaction | $2.85 |
Visa Interchange Fees |
^12 months interest free terms and conditions apply. The 12 months interest free promotion is valid until 31 March 2027.
*NOW Rewards Visa terms and conditions, credit criteria, rates and fees apply. Purchase interest rate (which can be found above) applies to the outstanding balance after interest free term ends. Rates and fees are subject to change.
#Eligible Transactions are any NOW Rewards Visa transactions other than a Cash Advance, Balance Transfer, loan repayments, long-term interest free transactions, fees and interest and excludes NOW Dollar redemptions, purchase refunds or charges that are under dispute or are fraudulent.
Access exclusive offers
from leading New Zealand stores
$300
credit back^
when you apply and your first spend
on the card is 12 months interest free* on TVs.
Minimum spend $1500. New customers only.
^Offer valid until 17 November 2026 or while stocks last. If eligible, the credit will be applied within 90 business days after the campaign period ends. Visit noelleeming.co.nz/now-rewards-visa for T&Cs that apply including finance offer terms. *NOW Rewards Visa T&Cs, credit criteria, rates and fees apply. New customers only. Excludes 12 months interest free via Visa transactions, new Additional Cardholders, Gift Cards and Miele Whiteware.
30 months
interest free*
Minimum spend $750.
BLACK FRIDAY DEALS is valid until 17 November 2026 or while stocks last. T&Cs apply. See noelleeming.co.nz/terms for more details. *NOW Rewards Visa T&Cs, credit criteria, rates and fees apply. Visit noelleeming.co.nz/now-rewards-visa for full T&Cs that apply, including finance offer terms. Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware.
500 days
interest free*
Minimum spend $1000.
PLUS enjoy up to 70% off^ selected NZ made beds.
^Offer valid until 30 November 2026. Up to 70% off selected NZ made beds is available in store only or while stocks last. Visit beds4u.co.nz for more details. *NOW Rewards Visa T&Cs, credit criteria, rates and fees apply. Visit beds4u.co.nz/now-rewards for full T&Cs that apply, including finance offer terms. Finance offer available in store only.
24 months
interest free*
Minimum spend $500.
BLACK FRIDAY SALE is valid until 1 December 2026 or while stocks last. Visit pbtech.co.nz for more details. *24 months interest free is valid until 1 December 2026. Visit pbtech.co.nz/finance/now-rewards-visa for full T&Cs that apply, including finance offer terms. NOW Rewards Visa T&Cs, credit criteria and rates and fees apply. Excludes pre-orders / back-orders, vouchers, gift cards, software licences, game activation codes, Customized-to-Order (CTO) Apple Mac, Apple phones and smart watches, Samsung smart watches, CPUs and processors, and PlayStation, Xbox and Nintendo game consoles.
24 months
interest free*
Minimum spend $2000.
Visit ifurniture.co.nz/finance for full T&Cs that apply, including finance offer terms. NOW Rewards Visa T&Cs, credit criteria and rates and fees apply. Finance offer available in store only.
Interest free payment plans and hot deals
Interest free, your way
Make bigger purchases more manageable with long-term interest free* payment plans at Participating Retailers. By spreading payments over time, NOW Rewards Visa credit card helps you stay in control of your budget while still getting what you need, when you need it.
Earn DOUBLE the rewards
Rewards on everyday Visa credit card spend.
For a limited time earn 2x NOW Dollars.
This November earn Double NOW Dollars for every $150 spent on eligible purchases# when you use your NOW Rewards Visa. So, whether you’re purchasing something special, stocking up on everyday essentials, or snapping up Black Friday deals, you’ll earn double rewards when you use your NOW Rewards Visa.
Just remember that NOW Dollars cannot be earned on long-term interest free purchases and only apply to eligible purchases# made between 1st and 30th November.
Redeem MORE rewards
Own the moment with Double NOW Dollars
It’s easy to earn and redeem your NOW Dollars. Once you have a balance of at least 10 NOW Dollars or more, you can redeem them at any of the Participating Retailers below and put them towards your purchase.
There’s no complicated redemption rate: 1 NOW Dollar = $1 NZ Dollar.
Where to redeem NOW Dollars
12 months interest free
Spend $250 or more in a single transaction with your NOW Rewards Visa at any Noel Leeming, The Warehouse or Warehouse Stationery and 12 months interest free is applied automatically^. There’s nothing extra to do. Enjoy the freedom to pay over time, your way.
NOW Rewards Visa with Google Pay™
Pay with NOW Rewards Visa the fast, safe and easy way, online and in person, with Google Pay.
Google Pay is a trademark of Google LLC.
Our customers love us, you will too
*The promotion is valid from 12:01am Sunday 1 November to 11:59pm Monday 30 November 2026. Earn Double NOW Dollars for every $150 spent on eligible purchases in store or online using your NOW Rewards Visa during the promotional period. Eligible Transactions are any NOW Rewards Visa transactions other than a Cash Advance, Balance Transfer, loan repayments, long-term interest free transactions, fees and interest and excludes NOW Dollar redemptions, purchase refunds or charges that are under dispute or are fraudulent (“Eligible Transactions”).
NOW Dollars will be credited to your account once eligible transactions have been processed (typically within 3-5 business days) and shown in eMoney the day after its processed. If you have made an Eligible Transaction during the Promotional Period and have returned the goods purchased for a refund, SBS Money Limited reserves the right (in their sole discretion) to deduct the additional NOW Dollars earned as part of this Promotion. From 12:00am Tuesday 1 December 2026 NOW Dollars earn rate will revert back to 1 NOW Dollar for every $150 spent on eligible transactions.
