NOW Rewards Visa
More benefits. More flex. More NOW.
Enjoy the flexibility of interest free* shopping AND earn NOW Dollars on your everyday Visa spend.
Why NOW Rewards Visa?
Long-term interest free plans
Breathe easy with long-term interest free* payment plans at Participating Retailers.
Earn NOW Dollars everyday
Earn NOW Dollars on your everyday 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
at certain Participating Retailers.
12 months interest free
Automatically enjoy 12 months interest free on everyday purchases $250 and over at Participating Retailers^.
Access exclusive offers
from leading New Zealand stores
24 months
interest free*
Minimum spend $500.
*Offer valid until 18 May 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, rates and fees apply. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customised-to-Order (CTO) Apple Mac, and backorders.
30 months
interest free*
Minimum spend $499.
Warm-up with Winter Deals is valid until 19 May 2026 or while stocks last. Visit noelleeming.co.nz/Terms for more details.
*NOW Rewards Visa T&Cs, credit criteria, rates and fees apply. Visit https://www.noelleeming.co.nz/now-rewards-visa for 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.
Up to 60 months
interest free*
*6 months (min spend $200), 9 months (min spend $200), 12 months (min spend $249), 24 months (min spend $449), 36 months (min spend $599), 48 months (min spend $799) or 60 months (min spend $999). Visit samsung. com/nz/offer/interest-free/purplevisa/ for full T&Cs that apply, including finance offer terms. NOW Rewards Visa T&Cs, credit criteria and Rates and Fees apply. Excludes Trade-Ins. Finance offer only available at samsung.com/nz/
30 months
interest free*
Minimum spend $1800.
*Offer valid until 26 May 2026. Visit bigsave.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.
36 months
interest free*
Minimum spend $999.
*Offer valid until 31 May 2026. Visit tradedepot.co.nz for full T&Cs that apply, including finance offer terms. NOW Rewards Visa T&Cs, credit criteria and rates and fees apply. Available in store only.
24 months
interest free*
Minimum spend $2000.
*Offer valid until 30 June 2026. 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 helps you stay in control of your budget while still getting what you need, when you need it.
Earn rewards
Rewards on everyday spend
Earn NOW Dollars on your everyday spend with your NOW Rewards Visa. Get 1 NOW Dollar for every $150 spent on eligible purchases. It’s a simple, automatic way to get more from the spending you already do. NOW Dollars cannot be earned on long-term interest free plans.
Spend rewards
Own the moment with a little extra
Your NOW Dollars help you own the moment, every day. Use them for something you’ve been looking forward to or take the edge off everyday essentials. 1 NOW Dollar = $1 NZ Dollar to be redeemed at Participating Retailers, online or in store.
Minimum spend applies.
Who are the Participating Retailers?
12 months interest free
12 months interest free, automatically
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.
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.
NOW Rewards Visa is issued by SBS Money Limited which is wholly owned by Finance Now Limited.
Our customers love us, you will too
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.
Manage your card, your way with the eMoney App
Get ready to go
A couple of quick things to set you up for smooth spending.
Take a moment to familiarise yourself with your NOW Rewards Visa Terms and Conditions and Rates and Fees, then sign the back of your card once it arrives. That’s it — you’re ready to activate.
Download eMoney
Get up and running fast, however you prefer.
For Main Cardholders, activate your card through the eMoney app, online via eMoney, or by calling our Customer Experience Team. Once activated, you’ll be able to choose your own PIN and start using your card straight away.
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
- 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, you may find answers to them here.
Making payments is easy
Choose the option that works best for you — online, automatically, or in person.
Payment Methods
Internet banking made simple
If you’re registered for internet banking with your bank, you can set NOW Rewards Visa up as a Bill Payee (also known as an approved or registered payee) by searching for NOW Rewards Visa. You can set this up as a bill payment or make regular automatic payments with the below details.
You’ll need to enter your details as shown below, so we can match your payment to your account:
- Particulars: This is your account number
- Code: this is your last name and initials
- Reference: This is your 9 digit customer number
Can’t find us?
If you’re unable to locate NOW Rewards Visa as a registered payee using our name, please use our bank account listed below. Please ensure you’ve entered all the information correctly, to avoid delays in your payment reaching your account:
- Bank account name: SBS Money
- Our bank account number: 03-0175-0489151-000
- Particulars: This is your account number
- Code: This is your last name and initials
- Reference: This is your 9 digit customer number
Setup easy direct debit payments
Download and print our Direct Debit form here and return it to us.
Pay in person at any NZ Post Shop
Take your latest NOW Rewards Visa statement to your nearest NZ Post Shop.
$2.85 transaction fee applies.
