Rule your rewards at 100s of partner stores

Whether you want to crack into the DIY or your next BYO, wander the world or buy books to read about it - you're in control of how you’re rewarded. With True Rewards you have the ability to redeem your rewards the way you want today.

Reward yourself

We're excited to introduce BP as our new fuel partner! This means you'll no longer be able to redeem your True Rewards at Mobil and instead you can now use your True Rewards dollars at participating BP service stations.

Participating BPs

ASB's terms and conditions apply.

Get pumped about our new fuel partner

Start feeling rewarded - the easy way

Get started with an ASB rewards credit card

Our rewards credit cards earn you True Rewards on everything you buy. Apply for one today and start getting rewarded.

Earn True Rewards on purchases, big and small

Make every dollar count. From buying everyday things like groceries to bigger purchases like home appliances, every purchase on your card earns you True Rewards dollars.

There are loads of ways to use them

Every True Rewards dollar is worth one NZ dollar, which you can use at our partner stores, some of their websites or our online store. Simply by using your True Rewards card. You can also contribute them to your ASB KiwiSaver Scheme account, and even donate them to charity - True Rewards are easy to redeem in every way. 

Switch to earn AA Smartfuel discounts

If you have an AA Membership card or registered AA Smartfuel card you can switch from earning True Rewards dollars to earning cents off per litre using your ASB rewards credit card with AA Smartfuel.


You can redeem your True Rewards dollars into an ASB KiwiSaver Scheme account, topping up your retirement or first home savings.

Not an ASB KiwiSaver Scheme member? Find out why around half a million Kiwi's trust us with their KiwiSaver savings.

Join now

Boost your KiwiSaver savings with True Rewards

Redeem your True Rewards dollars

True Rewards partner stores

Use your True Rewards dollars on anything at our partner stores or some of their websites, simply by using your True Rewards card like a debit card. Discover the partner stores that allow online shopping.

Using your rewards to travel

Use your True Rewards dollars for a local getaway or overseas adventure, with any airline. Our travel partner House of Travel makes it easier than ever to reward yourself with whatever holiday you choose. 

AA Smartfuel

If you have an AA Membership card or registered AA Smartfuel card you can switch from earning True Rewards dollars to earning cents off per litre using your ASB rewards credit card with AA Smartfuel.

Redeeming rewards online

Our online store is open 24/7 and has an awesome range of products, vouchers and gift cards to choose from. Keep an eye out for our Deal of the Week! You can also shop online with some of our partners.

Contribute to your KiwiSaver account

Top up your retirement savings or first home deposit by transferring True Rewards dollars to your ASB KiwiSaver Scheme account. You can even contribute to someone else's. 

Make the most of your True Rewards

Every purchase earns rewards

Use your ASB rewards credit card as the number one way to pay. The smaller things add up. Remember to pay off your balance each month.

Claim your True Rewards

Use your True Rewards card with any of our partner stores or switch to earn AA Smartfuel discounts.


Discover extras

Remember to keep an eye out for our deal of the week from the online store as well as partner deals that earn you double, triple or even quadruple True Rewards dollars.

More information about True Rewards

Where can I redeem my True Rewards dollars/points?

There's so much choice when it comes to redeeming your True Rewards dollars. Discover the full range of our True Rewards partners.

What is the True Rewards account fee?

There is no True Rewards fee charged on eligible ASB Visa credit cards.

Check our current rates and fees.

Do True Rewards dollars expire?

True Rewards dollars will expire once they reach the 5th year from when they were earned. As True Rewards dollars are redeemed, the oldest ones will be used first.

If you have True Rewards dollars that are due to expire soon, we will communicate directly with you as a reminder to spend your True Rewards dollars.

If you have not received any communication from ASB regarding this change or True Rewards expiry, then you will not have True Rewards dollars expiring.

Reward yourself, apply for a credit card today

Apply online

Ready for the next step? Let's get started.

Apply online

Visit a branch or call

Visit us at one of our many branches, or call us on 0800 255 382

Find a branch

We're here to help you

Visa Business and Visa Light cardholders are not eligible to enrol in True Rewards or earn AA Smartfuel discounts on their purchases. 

ASB's lending criteria, fees, Credit Card Conditions of Use and ASB Rewards Programme Terms apply.

Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at http://www.disclose-register.companiesoffice.govt.nz (search for ASB KiwiSaver Scheme).

Credit CardsTrue Rewards