ASB True Rewards

Earn True Rewards Dollars every time you make a purchase with your credit card, then spend them instantly like 'real' dollars in any of our partner stores or our online store.

Benefits at a glance

  • Spend True Rewards Dollars like cash, swipe your True Rewards card like you would your EFTPOS card at our partner stores, and redeem instantly
  • Use your True Rewards Dollars to travel anywhere, anytime, on any airline through our travel partner
  • Shop online, there’s a great range of merchandise at our online store
  • Invest in your future, transfer your True Rewards Dollars to your ASB KiwiSaver Scheme account
  • True Rewards Dollars never expire
  • Earn bonus rewards with our True Rewards partner deals

How True Rewards works


  • You earn True Rewards Dollars for every purchase you make with your enrolled ASB credit card; these dollars are loaded on your True Rewards card. So the more you use your enrolled credit card, for everyday shopping and big ticket items, the faster your True Rewards Dollar balance will grow.
  • Plus earn double True Rewards Dollars with our True Rewards bonus partner Mobil.
  • One True Rewards Dollar = 1 New Zealand Dollar.

Spending your True Rewards Dollars

Everyday rewards

Spend your True Rewards Dollars by simply swiping your True Rewards card (like an EFTPOS card) to buy anything at our partner stores.

Travel rewards

With our travel partner House of Travel you can use your True Rewards Dollars to go anywhere in New Zealand or around the world, on any airline you choose.

Saving your True Rewards Dollars

You can transfer True Rewards Dollars to your ASB KiwiSaver Scheme account to grow your retirement savings or contribute to your first home. You can even transfer them to someone else's ASB KiwiSaver Scheme account.

Donate to charity

Gift your True Rewards to a worthy cause. Select any of these charities you wish to donate to and enter the amount.

Managing your True Rewards

View your True Rewards balance and redeem or gift your True Rewards Dollars in FastNet Classic internet banking. On the go? Check your True Rewards balance on ASB Mobile app.

Get started today

1. Join True Rewards

Get an ASB credit card with True Rewards.

2. Earn

Start earning True Rewards Dollars on every purchase with your True Rewards enrolled credit card.

3. Spend

Spend your True Rewards Dollars like cash at any of our partner stores, or at our online store.

Apply for an ASB credit card

Apply online

Ready for the next step? Get started today.

Apply online

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

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We're here to help you

Visa Business and Visa Light cardholders are not eligible to enrol in True Rewards.

ASB’s lending criteria, fees, Credit Card Conditions of Use and True Rewards Card Conditions of Use apply.

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