INTEREST FREE
SHOPPING?

NOW you’re talking.

Get more when you shop with NOW Rewards Visa*.
More benefits. More flex. More NOW


Apply now Learn more

Now Rewards Visa

Enjoy the flexibility of interest free shopping AND earn NOW Dollars on your everyday Visa spend*.

Earn rewards

Pay now and Earn NOW dollars on your everyday Visa spend*. Every
time you spend $150 on Eligible
Transactions you’ll earn 1 NOW
Dollar. 1 NOW Dollar = $1 NZ Dollar.

Long-term interest free deals

Bring your big plans to life. Whether
it’s that shiny new big-screen TV or a
few extra upgrades for your car,
long-term interest free* plans make it
easy — spreading your costs over
6-60 months so you can enjoy more NOW.

More NOW

Spend your NOW Dollars or save
the, for something special. You can
redeem them online or in store at
Participating Retailers.

Things to Know

*NOW Rewards Visa terms and conditions, credit criteria, rates and fees (including a one-off $55 establish- ment 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. Rate and fees are subject to change. NOW Dollars can be redeemed at Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free information.

Rates & Fees Information

Rates and Fees (current as of 4 May 2026 and subject to change).

$55

A one-off
Establishment-fee

$34

Account fee,
charged 6-monthly

26.65% p.a.

Purchase Interest
Rate

29.40% p.a.

Cash Advance Interest Rate

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 purhase 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.

Nothing can stop you to get a good night's sleep anymore!

We took your financial worries away! Bring your dream bed home NOW

Shop Now

Find The Sleep Solution For You

Our sleep experts are ready to help you get a great night's sleep

Find your local store

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Frequently asked questions

  • Where do you ship to?
    We deliver nationwide across New Zealand, covering both the North and South Islands, including all major regions, towns, and rural areas.
  • Can I change my delivery address?
    We can change your delivery information a few days before your delivery. It is difficult for us to change your details on the delivery as the route for the delivery team is set. Please contact our Beds4U Team via our online Contact Form - we will do our best to help!
  • Can I specify a date for the delivery?
    Absolutely! You may choose a delivery date if you need your mattress delivered at a later date. We usually arrange the delivery time when you purchase, but if you want to change anything please feel free to contact the Beds4U team via our online Contact Form and we will do our best to accommodate your request.