Interest Free Shopping with NOW Rewards Visa
More benefits. More flex. More NOW.
Enjoy the flexibility of interest free shopping for those larger purchases with NOW Rewards Visa, plus use your card for everyday purchases anywhere Visa is accepted*.
Why you should get a NOW Rewards Visa
If you’re wanting to purchase something larger or want the flexibility of spreading the payment over time, you can use your NOW Rewards Visa for those long-term interest free purchases.
Plus, every time you use your NOW Rewards Visa on everyday Visa spend*, you’ll earn NOW Dollars to spend at certain Participating Retailers.
- Every time you spend $150 on eligible transactions, you'll earn 1 NOW Dollar.
- 1 NOW Dollar = $1NZ Dollar. For example, 20 NOW Dollars = $20 NZ Dollars.
How do you apply?
Apply now at NOWvisa.co.nz
Rates and Fees
Rates and Fees (current as of 4 May 2026 and subject to change).
Terms & Conditions
NOW Rewards Visa offers vary by promotion. 6, 12, 18, 24 & 30 Months Interest Free offers are always available. 36 Months Interest Free and longer terms are valid when displayed in store or online. Please ask a team member for more information.
| Interest Free Term | Minimum Spend | Product Exclusions & Inclusions |
| 6 | $250 | Excludes Gift Cards and Miele Whiteware. |
| 12 | $250 | Excludes Gift Cards and Miele Whiteware. 12 Months Interest Free Automatically applies at checkout. |
| 16 | $349 | Available on purchases of Apple products only. Excludes Gift Cards and Miele Whiteware. |
| 18 | $349 | Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. |
| 24 | $449 | Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. |
| 30* | $499 | Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. *When the offer includes Apple Mac, iPad & Apple Watch, the offer only excludes Gift Cards, iPhone, Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. |
| 36 | $599 | Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. |
| 48 | $799 | Excludes Gift Cards, all Apple products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. |
| 60 | $999 | Excludes Gift Cards, all Apple & Sonos products and Samsung Flip, Fold, Note & S Series mobile range and Miele Whiteware. |
Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer or with commercial and educational purchases. Product inclusions and/or exclusions are listed above. For more information contact us on 0800 44 44 88.
*NOW Rewards Visa terms and conditions, credit criteria, rates and fees (including a one-off $55 establishment fee and a $34 account fee charged 6-monthly) apply. Purchase interest rate of 26.65% p.a. applies to the outstanding balance after interest free term ends. Cash advance interest rate of 29.40% p.a. applies. Rates and fees are subject to change. NOW Dollars can be redeemed at certain Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free purchases. Visit NOWvisa.co.nz for more information.
Payment - Minimum monthly payments (3% of the outstanding balance or $20, whichever is the greater) and any charges eligible for deferred payment will not apply until expiry of any Deferred Payment Plan but must be made during the Interest Free Term. If you make only the minimum monthly payment, you may not pay off your purchase before the expiry of the Interest Free Term. So, if you can, always pay more than the minimum amount due. Visit NOWvisa.co.nz for more information.