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

Find out more Apply now

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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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.

Apply online

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

*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