Increasing your security
Use your PIN instead of signing
One secure way to make the most of your BNZ Platinum Visa Card is to have a 4-digit PIN loaded. It’s easy, and it’s something we recommend for your convenience and your security. What’s more, if you have a BNZ transaction or savings account, we can set up your BNZ Platinum Visa Card so that it doubles as your BNZ EFTPOS card. To have a PIN loaded, just call in at any BNZ store and bring your card, as well as some photo identification like your Driver Licence or Passport.
Verified by Visa
Verified by Visa is an additional level of security that helps prevent anyone else using your BNZ Platinum Visa Card details when you shop online at participating retailers – only you know your password so only you will be able to shop at websites that are Verified by Visa. To register your BNZ Platinum Visa Card with Verified by Visa, click here.
Safe shopping on the internet
When shopping online look for sites with the following features:
- Security and privacy statements.
- A return policy
- A web address that starts with “https” or this symbol of protection.
If the site carries all these features you’ll be covered by our special credit card protection policies - NetPledge and NetPromise.
Protection from the unexpected
CreditCare Plus* is a convenient, optional feature of your BNZ Platinum Visa Card that takes care of your repayments when you can't. With CreditCare Plus you'll receive some valuable benefits, including (but not limited to):
- If you're unable to work temporarily for 30 days or more due to accident, illness or redundancy, you'll be paid a monthly benefit towards your outstanding balance at the time of the event
- In the event of your death, CreditCare Plus will pay the outstanding balance in full
- You have a 30-day 'free look' period to decide if the policy meets your needs
- Payment is easy - your monthly premium is charged to your credit card account
- No premiums are charged when your monthly statement account balance is zero or in credit.
Premiums are just 79 cents per month for every $100 of your current balance shown on your monthly credit card statement. You can get cover for you and your joint cardholder for only $1.29 per month for every $100 of the current balance shown on your monthly statement.
For full details about the benefits and conditions of CreditCare Plus and to apply, please call 0800 270 006 or login to Internet Banking.
*CreditCare Plus is arranged by BNZ and is underwritten by CIGNA Life Insurance New Zealand Ltd. BNZ receives a commission for arranging CreditCare Plus. BNZ does not guarantee the obligations of CIGNA. If CIGNA refuses a claim BNZ will not be liable. Cover is subject to terms, conditions and exclusions contained in the policy document.
NetPledge
NetPledge means that your liability will be zero if you discover an unauthorised online payment, but you still have your BNZ Platinum Visa Card in your possession, the details for your BNZ Platinum Visa Card have been kept secure and you have complied with your BNZ Platinum Visa Card terms and conditions.
You're also protected if your BNZ Platinum Visa Card is lost or stolen and then used on the Internet at a site featuring all of the security features listed above. Provided that you inform us that your BNZ Platinum Visa Card is missing within a reasonable time, that nobody else had permission to use your BNZ Platinum Visa Card and you did not contribute to or cause any loss from unauthorised purchases, then your liability will only be $50.
With NetPromise, if you are billed for something you ordered online but never received, or are owed a credit for returned merchandise purchased online, then we'll investigate your complaint and let you know within seven days what your best course of action would be. You'll need to keep a record of the site address and let us know within 60 days of your statement closing date.