Shopping online

OneSmart™ really is the smarter way to shop online.

Unlike a credit card, OneSmart is a reloadable prepaid MasterCard® which means you’ll need to load money into a OneSmart Account before you can use it.

It provides a great way to control and budget your online spending and in comparison to a credit card,
it means that you could avoid any unwanted interest charges.

Virtual card

Did you know you can also access your OneSmart Account using a Virtual card? What’s a Virtual card you say? Good question!

The OneSmart Virtual card is a 16-digit MasterCard number (different to that on your Airpoints card) that allows you to make purchases online or over the phone. There’s no piece of plastic. You can use it anywhere MasterCard is accepted, and because it’s linked to your OneSmart Account, you can only spend what you’ve loaded onto it.

To obtain a Virtual card number log in to your OneSmart Account, request a Virtual card and at the touch of a button, a 16-digit MasterCard number, expiry date and CVC2 will be instantly delivered to your screen.

You can close your Virtual card at any time, and can request a total of three Virtual cards in the lifetime of your OneSmart Account.

Helpful hint: You can use the handy travel wallet function to make online purchases in one of the supported currencies. For example, want to buy a Kindle online at Amazon? Load your account with New Zealand dollars, transfer1 funds to your US dollar wallet and you’ll be spending like a local in no time.

1 OneSmart Conversion Rates apply.

Air New Zealand Airpoints Programme Terms and Conditions apply.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

Eligibility criteria apply. Bank of New Zealand (BNZ) is the issuer of the OneSmart Account. BNZ’s account opening criteria apply. OneSmart Account Terms and Conditions, and fees apply. BNZ’s current Disclosure Statement may be obtained from any BNZ store or viewed at This offer of securities is only an offer to persons in New Zealand and is not available for subscription by any person outside New Zealand.