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Business credit cards rates and fees

Rates and fees may change

Visa Business

Interest rates
Purchase interest rate
Cash advance interest rate

The cash advance interest rate will be charged on cash advances and dishonoured payments.

Fee
Account fee per card (every 6 months)

Visa Business Rewards

Interest rates
Purchase interest rate
Cash advance interest rate
Balance transfer interest rate
(fixed for 6 months)

The cash advance interest rate will be charged on cash advances and dishonoured payments.

The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate.

Fees
Account fee for up to 3 joint cardholders (every 6 months)
Additional card fee per card (every 6 months)

Other fees

Credit card cash advance fees
Interest will be charged from the date of the cash advance.
ASB ATM / FastPhone / FastNet Classic
Other New Zealand bank ATM
Staff-assisted
Overseas (teller or ATM) displaying the Visa logo
Credit card service fees Fees
Replacement card
Statement copy per statement
Overseas card delivery
Late payment fee
Over limit fee

If you exceed your credit card limit by more than 10% on any monthly statement, an over limit fee will apply.

Offshore service margins

Overseas transactions will either first be converted into US dollars and then into New Zealand dollars or converted directly at an exchange rate selected by Visa from available wholesale rates (or, if applicable, the Government mandated rate).

The Offshore Service Margin is a margin charged by us when you use your card to make an overseas transaction.

For overseas transactions made using your ASB Visa card Offshore Service Margins of 2.10% of the converted New Zealand dollar amount of the transaction are charged. For purchases refunded back to your ASB Visa card Offshore Service Margins of 2.10% of the converted New Zealand dollar amount of the transaction are charged. The margins that are charged to your card account may differ from the margins that were charged for the original transaction due to fluctuations in the conversion rate.

The converted amount and the Offshore Service Margins will appear on your card statement. You will be charged ASB FastCash card fees and margins if you select cheque or savings when using your ASB credit card overseas.

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Next steps

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0800 272 222

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Interest rates and fees are subject to change at any time. Ask at any ASB branch about current rates and fees. ASB lending criteria and Credit Card Conditions of Use apply.

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