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	Key Benefits
	Accepted at over 28 million locations around the world
	Earn Air New Zealand Air points Dollars™ (1 Airpoint Dollar for every $100 spent)2 every time you make a purchase using your GlobalPlus Gold card. That’s 50% faster than GlobalPlus MasterCard.
	Your card doubles as a BNZ MasterCard credit card and your Air New Zealand Air points-membership card.
	Access to instant credit and cash3 in New Zealand and overseas4 as well as emergency cash and card replacement.
	Up to 44 days interest free credit
	Once activated Gold International Travel Insurance can protect you and your family for up to 35 days5.
	CreditCare Plus payment cover is available6.
	Low minimum monthly repayments of just 3% of your GlobalPlus Gold balance.
	Can convert fly buys points to Airpoints Dollars. As soon as you have 300 Fly Buys points you can convert them to 50 Airpoints Dollars7.
	Features
	Annual Fee: $105 per year ($52.50 charged half yearly)
	Annual Interest Rate: Please refer to www.bnz.co.nz for current rates
	Interest Free Days: up to 44 days
	Additional/Joint Cards available: $34.90 per year ($17.45 charged half yearly)
	Cash Advance Facility: Yes

1. Our lending criteria and account fees apply. Air New Zealand Airpoints Programme terms and conditions apply. A $50 Airpoints joining fee may apply. Earning and redemption rates are subject to change without notice.
Bank of New Zealand (and its related companies) do not guarantee the redemption of Airpoints Dollars™ or that Airpoints Dollars™ will continue to be offered for products or services provided by them.

2. Airpoints earning rates are subject to change without notice. This information is intended for New Zealand registered Airpoints Members only. Other Airpoints Members should contact Bank of New Zealand for more information.

3. Cash advance fee applies.

4. Foreign currency service fee applies.

5. Gold International Travel Insurance is subject to the terms, conditions and exclusions (for example, age limitations) contained in the Gold International Travel Insurance policy. Gold International Travel Insurance is provided to Gold cardholders by American Home Assurance Company (New Zealand Branch), the Insurer, pursuant to an agreement with Bank of New Zealand, under which Bank of New Zealand makes the policy available to Gold cardholders. Bank of New Zealand is neither the insurer nor agent of American Home Assurance (New Zealand Branch) in relation to Gold International Travel Insurance and does not guarantee the obligations of American Home Assurance Company (New Zealand Branch) under the policy.

6. CreditCare Plus is arranged by Bank of New Zealand and is underwritten by CIGNA Life Insurance New Zealand Limited. Bank of New Zealand receives a commission for arranging CreditCare Plus. Bank of New Zealand does not guarantee the obligations of CIGNA. If CIGNA refuses a claim, Bank of New Zealand will not be liable. Cover is subject to the terms, conditions and exclusions contained in the policy document.

7. Conversion rate subject to change. Minimum conversion rate is 300 Fly Buys points to 50 Airpoints Dollars, then you can convert Fly Buys points at 150 to 25 Airpoints Dollars.

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