Earn Phone Dollars™ with dosh
From everyday spending to big life moments, turn it into rewards that get you closer to your next phone.
Dosh is not a registered bank. However, your funds are held at a NZ registered bank.
Home loan and new phone
The dosh difference
- Expert home loan advice
- A competitive interest rate with a structure that suits you
- Cashback on eligible home loans
- $1,700 in Phone Dollars when you buy or refinance
Chat to dosh about your options, no obligation.
Min. $300,000 home loan and 1 year fixed term. You must keep your home loan with Dosh for 24 months from settlement. See full terms.
Earn as you spend
- Earn 1% back in Phone Dollars on eligible spend*
- Get $50 Phone Dollars when you first use your card
- Free to order and no annual fees
Redeem your Phone Dollars
Pick a new phone at a One NZ store. The account holder will need to bring their drivers license or passport for the credit check.
2. Redeem your Phone Dollars and pay less
Redeem your Phone Dollars and pay less for a new phone on an eligible Pay Monthly plan.
3. Pay the rest over time
Your Phone Dollars discount is spread evenly over a 24 or 36-month interest-free term. Any remaining balance is also paid over the same term.
Heads up: You’ve got to keep your plan to keep your discount.
How it works
Get the dosh app
Earn Phone Dollars
Unlock that upgrade
Terms and conditions
*Earn 1% of the value of eligible purchases made with your One NZ dosh Visa Debit card in Phone Dollars. Everyday retail consumer purchases only, exclusions apply. Earn controls and conditions may be imposed. Phone Dollars added to your One Wallet by the seventh calendar day of each month. Offer may be withdrawn or amended. Dosh’s Phone Dollar Rewards Terms and General Terms & Conditions, and One NZ’s One Wallet Terms apply.
^Min. $300,000 home loan and 1 year fixed term. You must keep your home loan with Dosh for 24 months from settlement. Offer available to new and refinancing Dosh customers. Only available once per customer. Offer may be withdrawn or amended. Phone Dollars provided and managed by One NZ. Phone Dollars added to your One Wallet on settlement. Dosh’s lending and eligibility criteria apply. Dosh’s Phone Dollar Rewards Terms and General Terms & Conditions, One NZ Privacy Policy and One NZ’s One Wallet Terms apply.
By participating in any dosh offer, you acknowledge that we may receive information about you (such as your mobile number, account status, and certain activities that qualify for Phone Dollars). This is to create and manage your One Wallet, view your balance and allocate Phone Dollars based on your activity. In these cases, we collect your information from dosh rather than directly from you.
One Wallet: The Phone Dollars in your One Wallet can be redeemed in a One NZ store with an eligible One NZ Pay Monthly plan. Balance can be used towards a new phone purchase with a minimum value of $199, on a 24 or 36 month interest-free term. Minimum $99 deposit required and minimum $1 monthly interest free repayment over term. Maximum balance of $4,999 Phone Dollars. Balance savings evenly spread over the agreed interest-free term. Balance of phone cost must be repaid if you exit, transfer or trade-down your plan before the interest-free term expires. Redeeming is available to the account holder of the service and is subject to a credit check. Eligibility criteria and terms apply.
Dosh is not a registered bank. However, your funds are held at a NZ registered bank.