| Balance | Interest rate |
| Visa Business Total outstanding balance | 19.45% p.a. |
Ask at any ASB branch about current rates and fees, as they are subject to change. Credit card conditions of use and ASB credit card lending criteria apply.
| Service fees – Visa Business credit card | |
| Six-monthly account fee | $15.00 per card |
| Overseas card delivery | Courier service fee |
| Replacement card | $10.00 |
| Statement copy | $5.00 per statement |
| Late payment fee | $15.00 |
| Over limit fee* | $20.00 |
* where the account balance exceeds its approved credit limit by more than 10% in any monthly statement cycle.
| Cash advance fees – Visa Business credit card | |
| Interest will be charged from the date of the cash advance. | |
| ASB ATM / FastPhone / FastNet Classic | $1.00 |
| Other New Zealand bank ATM | $2.00 |
| Teller assisted | $5.00 |
| Overseas - teller or ATM displaying the Visa logo | NZ$5.00 |
Visa offshore service margins
For details of the terms used in this section refer to the definitions in the ASB Credit Cards Conditions of Use.
Overseas card transactions, in a currency other than New Zealand dollars, will either first be converted into US dollars and then into New Zealand dollars or directly into New Zealand dollars, at the applicable exchange rate.
Offshore service margins of 2.1% are charged to the converted New Zealand dollar amount of the overseas card transaction by ASB, excluding those withdrawals made using Commonwealth Bank of Australia ATMs. For purchases refunded back to an ASB Visa account, offshore service margins of 2.1% are deducted from the converted New Zealand dollar amount by ASB. The offshore service margins comprise of a Visa international service assessment of 0.85% imposed on ASB by Visa and passed on to you and an ASB margin of 1.25%. Where a purchase is refunded back to your Visa card account the margins that are charged to your card account by Visa and ASB may differ from the margins that were charged for the original transaction due to fluctuations in foreign currency.
For overseas cash withdrawals made using your ASB Visa credit card at a Commonwealth Bank of Australia ATM an ASB retail exchange margin of 0.7% is added to the converted New Zealand dollar amount by ASB. In all cases the total converted amount (including the offshore service margins or the ASB retail exchange margin where applicable) will appear on your card statement.