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Credit Cards

You’re in charge with an ASB Visa credit card. Low rate or rewards, the choice is yours.

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Our Credit Card Options

Low rate, no account fee

An ASB Visa Light credit card gives you more control over your budget.

  • Our lowest ongoing credit card purchase interest rate of 13.50% p.a.
  • No account fees
  • 0% p.a. fixed interest for 6 months on Smart Rate purchases of $1,000 or more

Find out more Apply now

Rewards credit cards

Earn True Rewards or AA Smartfuel Discounts for daily spending.

  • Earn True Rewards dollars on your everyday purchases
  • Access to Travel Insurance for Visa Platinum Rewards card holders
  • Easily switch to earn AA Smartfuel discounts

Find out more Apply now

Balance transfers

Take a break from interest. Why pay a higher rate elsewhere?

  • Get 0% p.a. fixed interest for 6 months on your transferred balance
  • Transfer up to 90% of your available credit card limit
  • Get all the benefits of ASB credit cards

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We'll help you find your best credit card option

Our handy tool compares all our Visa credit cards online, helping you make the right choice.

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Want to save even more on fuel? Check out our limited time bonus discount.

You don’t need to skimp on the air-con or drive at a snail’s pace to save money on fuel, you just need an ASB Rewards credit card. Apply by 31st August 2022 to get a bonus AA Smartfuel discount each week for 12 months.*

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Looking for a business card?

Interest rates and fees

Learn more about the rates and fees associated with our personal and business credit cards.

Credit card features

Take advantage of some of these great features available with ASB credit cards.

Rule your rewards

Score great deals when you use your credit card. Choose to earn True Rewards dollars or AA Smartfuel discounts on your purchases with an ASB rewards credit card.*

Card Control

Manage your ASB Visa cards anywhere, anytime with extra security and control

Bank on the go

Keep track of your transactions and manage your credit card online with FastNet Classic internet banking and the ASB Mobile app

Apply for an ASB Credit Card

Ready to go

Found the best card for you? Apply for a credit card online today.

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Visit a branch or call

Visit us at one of our many branches, or call us on 0800 100 600.

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We're here to help you

*Open a new ASB Visa Platinum Rewards or ASB Visa Rewards credit card account by 31 August 2022 and switch to earn AA Smartfuel discounts.  Get 20 cents per litre off fuel when you spend $50 each week on eligible purchases on your new ASB Visa Platinum Rewards credit card or get 10 cents per litre off fuel when you spend $75 each week on eligible purchases on your new ASB Visa Rewards credit card for 12 months.

ASB Bank Limited's terms and lending criteria apply.  AA Smartfuel programme terms and conditions apply.  Offer is for new ASB Visa Platinum Rewards and new ASB Visa Rewards credit card accounts opened from 4 July 2022 until the 31 August 2022. You will need to be a current or become an AA Smartfuel or AA member and switch to earn AA Smartfuel discounts by 30 September 2022 to participate in this offer. For the next 52 weeks following your new card being opened, you will earn the bonus AA Smartfuel discounts for each week that you spend at least $50 or more using your new ASB Visa Platinum Rewards or spend $75 or more using your new ASB Visa Rewards credit card.  The spend can be across one or multiple purchases.  If you qualify for a weekly bonus discount, that bonus will be loaded onto your AA Smartfuel account within two weeks.  If you do not meet the spend criteria, you will not receive the bonus discount for the corresponding week.  AA Smartfuel bonus discounts are redeemable on up to 50 litres.  $520 of fuel savings are calculated based on taking an ASB Visa Platinum Rewards credit card and redeeming on a fuel fill of the maximum 50 litres each week for 12 months.  Offer is not available for customers who hold or have held an ASB Visa Platinum Rewards or ASB Visa Rewards credit card account in the past 12 months, transfers from an existing ASB credit card account, open a new ASB Visa Business Rewards or in combination with any other offers. Spend criteria applies to purchases for goods and services only and excludes cash advances or transactions treated by ASB as quasi cash advances. Applicable for one card per customer only.

*You will not earn AA Smartfuel discounts or True Rewards dollars on cash advances or transactions treated by ASB as quasi cash advances.

ASB's lending criteria, terms, fees, and Credit Card Conditions of Use apply.

ASB Rewards Programme Terms apply. Please refer to the ASB Visa Platinum Travel Insurance Policy for full details. If you are over 75 years of age you are not eligible for cover under the policy. Please refer to the ASB Gold Card Travel Insurance Policy for full details. If you are over 79 years of age you are not eligible for cover under the policy. Other exclusions and limitations apply.

For balances transferred to ASB, the standard purchase interest rate for your card will apply to purchases and, after the 6 month period, to any remaining balance transfer amount. Interest on cash advances charged at cash advance interest rate, currently 22.95% p.a. Find standard rates at asb.co.nz. Cash advance and service fees may apply. Offer can be withdrawn at any time.

The standard purchase interest rate applies to Smart Rate purchases after the specified promotional period. Smart Rate purchase offers apply to purchases of goods and services only and are subject to change. All rates are subject to change.

ASBCredit Cards