Visa Gold may be a good idea if you frequently travel overseas or if you prefer to pay for most things by credit card.

• It offers a higher credit limit to cover your purchases, and the recognition associated with carrying a Gold card. And its accepted at over 25 million locations worldwide.
• Enjoy at least $5,000 credit and complimentary 90 Day Gold Travel Insurance.
• Feel the reassurance of chip technology for safety and security. Learn more how to use your chip card.
• Access cash at ATMs worldwide displaying the Visa PLUS logo.
• You can apply for an additional card for your spouse, a partner, family or friends.
• Pay your account off in full by the payment due date every month and you wont pay any interest, unless you make a cash advance. Or you can choose to pay off the minimum monthly payment, which is the greater of $10 or 3% of the closing balance of your statement plus any overdue amount.
• Check your balance or pay your account through phone banking, FastNet Classic or ASB ATMs.
• Join True Rewards and earn True Rewards Dollars on your purchases.
• Protect yourself with our optional Credit Card Repayment Insurance.

Use of your credit card overseas is an optional service. Charges will apply. Refer to Credit card fees for further details.

90 Day Gold Travel Insurance

To activate your 90 Day Gold Travel Insurance cover you must pay for at least 50% of the entire cost of your overseas return travel tickets in one of the following ways:

• By using your Visa Gold.
• Through a cash advance on your Visa Gold.
• By using True Rewards Dollars or airline points.*
• By using another ASB account in your name if your travel provider gives you written confirmation that your Visa Gold is not acceptable as a means of payment or that you would incur an additional charge for using your Visa Gold.

Please refer to the ASB 90 Day Gold Card Travel Insurance Policy for further details.

*You must pay the whole cost of your ticket if you use True Rewards Dollars or airline points.

Refer to Credit Card fees for other applicable fees.

*Interest rates subject to change.
**Fee charged to your credit card account for your credit card and any joint or additional credit card on your account that has access to a True Rewards account.