Zero interest Balance Transfers

Take a breather from interest. Get 0% p.a. fixed interest for 6 months on your transferred credit card or selected store card balance.

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Great reasons to transfer your balance to ASB

You could save money on interest, helping you to manage your money.

Continue to spend on your card and take full advantage of the balance transfer rate.

We'll apply any payments made to purchases and cash advances before balance transfers and Smart Rate purchases.

You can transfer up to 90% of your available credit card limit.

Finding you the right option

ASB Visa Light

No account fee, low rate credit card with our lowest ongoing purchase interest rate of 13.50% p.a.

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ASB Rewards Credit Cards

Your choice of True Rewards earning credit cards. You can choose between a low account fee credit card or ASB's highest earning True Rewards credit card plus other exclusive benefits.

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Searching for the right option?

Compare all of our great cards so you can make the right choice for you.

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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 on the transferred balance.

When the fixed 0% p.a. special offer ends in 6 months, any remaining transferred balance after the promotional period will attract the standard purchase interest rate for your card type.

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Happier balance

When making repayments ASB applies your payment to the expenses that might attract a higher interest rate before expenses on a lower interest rate. Cash advances and purchases (other than Smart Rate purchases for Visa Light) are paid before balance transfers and Smart Rate purchases. By Allocating payments this way, you'll get the full benefit of the 0%p.a. fixed interest rate on the balance transferred for 6 months so you could pay off the balance faster.

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Frequently asked questions

  • Is there a fee to transfer my other bank’s credit card or selected store card balance to ASB?

    No, there is no fee to transfer your balance however credit card fees do apply. Find out more about our rates and fees here.

  • What banks and selected store cards does ASB accept for balance transfers?

    Transfers can be made from all non-ASB New Zealand credit cards issued by Visa, MasterCard, American Express, Diners Club, GEM (previously GE), Q Card, Farmers Finance Card, The Warehouse Financial Services, and Flight Centre Mastercard.

  • Which ASB credit cards can I complete a balance transfer to?

    A balance from another banks credit card or store card can be transferred to any ASB Visa or MasterCard except for an ASB Visa Business credit card.

  • Is there a limit to the number or amount of balance transfers I can do?

    Yes, we only allow customers to do 2 balance transfers per year, up to a maximum of $20k per transaction.

We're here to help

Apply online

Ready for the next step? Let's get started and start your application.

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Check out our FAQs

Check out our most frequently asked questions to see if we can help you out.

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Visit a branch or call

Visit us at one of our many branches, or call us on 0800 255 382.

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ASB's terms and lending criteria apply. 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.

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