Kiwi-owned Finance Now introduces NOW Rewards Visa

Finance Now introduces NOW Rewards Visa, the first credit card to carry the Finance Now name. The card brings digital wallet support starting with Google Pay, with Apple Pay to follow, and keeps its rewards programme and long-term interest free finance at a moment when major banks are cutting card benefits.

The card replaces the Purple Visa Card, which Finance Now acquired from The Warehouse Group in 2017, and has operated* since.

For many Kiwi households, a one-off cost like a fridge that dies, or the car needs new tyres, or kitting the kids out with devices for the school year, is the kind of expense that knocks a monthly budget sideways. Long-term interest free finance, used responsibly, turns that one-off shock into predictable payments. That kind of flexibility matters more, not less, as Kiwi households continue to feel the pressure of rising costs.

The rebrand comes after a year of significant change in New Zealand’s credit card market. Since the Commerce Commission’s new interchange fee caps came into effect in December 2025, major banks have scaled back their rewards programmes. One major bank exited its flagship Airpoints partnership. Another announced a points devaluation of around 26 per cent alongside cuts to interest free days and travel insurance. For cardholders, it adds up to less value from their cards at a time when they need more.

Finance Now is going the other way.

“A credit card isn’t just a product. For a lot of Kiwi households, it’s a way to manage the month,” says Hadyn Halls, CEO of Finance Now. “When the fridge dies or the car needs new tyres, interest free finance at a trusted retailer can be the difference between a stressful month and a manageable one. We’ve watched the market cut back on rewards, shrink benefits, and exit partnerships. We’ve made a different call: we’re keeping our rewards, our interest free terms, and our commitment to Kiwi retailers. This is a moment when Kiwi households need that consistency.”

Product features

  • Interest free finance of 6 to 60 months at participating retailers across New Zealand.*
  • Earn NOW Dollars on everyday Visa spend.
  • No fee for an additional cardholder.
  • Digital wallet support, starting with Google Pay, with Apple Pay to follow.

Finance Now is 100 per cent New Zealand-owned and operated, part of SBS Bank, and has been lending to Kiwi households and businesses for 25 years. The company partners with retailers and dealers nationwide, from furniture and appliance stores to car yards and small businesses. 

“Putting the Finance Now name on this card is a statement that we’re here, we back our customers, and we’re in this for the long haul,” says Halls.

For more information on NOW Rewards Visa, please visit NOWvisa.co.nz

About Finance Now

Finance Now is a leading New Zealand financial services provider offering personal loans, motor vehicle finance, business lending, and credit cards. Since 2000, the company has served more than 530,000 customers across New Zealand through direct channels and retail partnerships nationwide. Part of the SBS Bank Group, Finance Now is per cent New Zealand owned and operated. Visit www.financenow.co.nz

Note
*NOW Rewards Visa is issued by SBS Money Limited which is wholly owned by Finance Now Limited.
*NOW Rewards Visa terms and conditions, credit criteria, rates and fees apply.

NOW Rewards Visa.
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Good leaders don’t happen by accident

How we’re investing in our leaders at Finance Now – through the Leadership Academy, our leadership framework, and the Leaders Days that anchor our year.

At Finance Now, we reckon the quality of a leader shows up in the quality of their team’s day.

That’s why we take leadership development seriously – and why we’ve put real investment behind it.

A framework and an academy

Earlier this year we launched the Finance Now Leadership Academy – a monthly training programme for every leader in the business. Alongside it, we rolled out a leadership framework that sets out what good leadership looks like at Finance Now, whether you’re a first-time team leader, a senior specialist, or part of our executive team.

Together, they give our leaders something that’s easy to overlook until you don’t have it: a clear picture of what’s expected of them, and a clear path for growing into it.

Our leaders have a huge influence on our team’s experience of work, so investing in them properly is one of the most important things we do. The Leadership Academy gives our leaders training and development every month, and our framework sets out what good leadership looks like here. Our leaders know what’s expected of them, and they know we’re backing them to get there.

Maria Coupland, GM People & Culture

Twice a year, we bring everyone together

Twice a year, we put everything else aside and bring our leaders together for a full working day. We run a Leaders Day in both Auckland and Invercargill, so the same conversation happens in both places.

Leaders Days aren’t conferences with slides and lanyards. They’re a chance for our leaders to take stock of what’s ahead, test their thinking with each other, and come away better equipped for the team they lead.

A typical day covers what’s on our teams’ minds, what’s coming up for the business, and what our leaders need to do differently to lead well. That might mean working through recent team feedback and agreeing what to do about it, or figuring out how to bring our purpose and values to life with their teams. It’s also a chance for our leaders to focus on themselves – what they need from us, what’s working, and where to double down. There’s always an external focus too – thinking about what’s happening in the world and what it means for our customers, our team, and the way we work.

Things feel busier and less predictable than they did a couple of years ago. That’s just the world we’re in. What we can control is how we lead through it – staying steady for our team, being clear about what matters, and keeping the focus on the people who rely on us. Days like these are how we make sure our leaders are set up to do that.

Hadyn Halls, CEO

Part of a bigger commitment

Our purpose is helping Kiwis make their NOW count. It’s our people and culture that bring that to life. Investing in our leaders so they can be better today is one of the most direct ways we do it.

In the months ahead, we’ll share more about the people-focused work happening across Finance Now – from the partnerships that support our team’s wellbeing, to the community work our people lead, to the ways we’re investing in the place we work.

Auckland Leaders day team session

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