Credit Cards

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

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Our credit card options

ASB Visa Light

Low rate, no account fee.

  • $0 account fee
  • 13.50% p.a. purchase interest rate 
  • 0% p.a fixed interest for 6 months on Smart Rate purchases $1,000 or more

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ASB Visa Rewards

Earn rewards on your everyday purchases.

  • $40 annual account fee
  • 20.95% p.a. purchase interest rate
  • Earn 1 True Reward Dollar for every $150 spent

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ASB Visa Platinum Rewards

Our highest earning rewards credit card.

  • $80 annual account fee
  • 19.95% p.a. purchase interest rate
  • Access to overseas travel insurance.
  • Earn 1 True Reward Dollar for every $100 spent

Find out more

Compare Cards

Our handy tool compares all our Visa credit cards and helps you choose the right card to suit your needs.

  • Looking for a business card? Find out more here.

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Credit card interest calculator

A little can go a long way. Work out the impact of paying a little extra off your credit card each month.


Get 0% p.a. fixed interest for 6 months on your transferred balance

Why pay higher interest elsewhere?

If you have another bank’s credit card or selected store card with an outstanding balance, you could transfer this to an ASB credit card for 0% p.a. fixed interest for 6 months.

Apply online Find out more

Offer can be withdrawn at any time. After the six months, the standard purchase interest rate for your card type will apply to any remaining balance transfer amount. Lending criteria, fees and terms apply. Find standard rates here.

Is a credit card right for me?

A credit card gives you access to ongoing credit when you need it. It might be for you if;

  • You want to start building your credit history.
  • You make repayments within a period of time, so you can get up to 55 days interest free on purchases.
  • You want to enjoy earning rewards on everyday spend.
  • You want access to back up funds in the case of emergencies.
  • You are over 18 years old.

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. Earn True Rewards dollars on your everyday 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

Card Tracker

Track your ASB Visa card subscriptions in one place and see the shops and services where your card details may have been stored.

Apply for an ASB credit card

Ready to go

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

Apply online

Visit a branch or book an appointment now

Visit us at one of our many branches, or if you're an existing ASB customer, book a phone or in-person appointment through either FastNet Classic Internet banking or the ASB Mobile Banking app.

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We're here to help you

*You will not earn 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 and conditions apply. Please refer to the ASB Visa Platinum Travel Insurance Policy for full details. If you are 76 years of age or over, you are not eligible for cover under the base policy, but may be able to purchase Mature Age Cover to receive travel insurance benefits. Other exclusions or 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