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Make November Twice As Nice with NOW Rewards
MAKE NOVEMBER
TWICE
AS NICE
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.
Rewards are nice. More is better.
Make November twice as nice, with Double NOW Dollars* on your NOW Rewards Visa. Stack up your NOW Dollars balance even faster so you can redeem your dollars to treat yourself to something special, or enjoy a little help with everyday costs.
Don’t have NOW Rewards Visa yet? Apply online today. It’s quick, easy, and only takes 10-15 minutes to apply.
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
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.
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 licence 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.
Ready to earn
TWICE the rewards?
This offer is available to all NOW Rewards Visa customers. Don’t have a NOW Rewards Visa yet?
Sign up for your own NOW Rewards Visa. It’s quick, easy, and only takes 10-15 minutes to apply.
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.
