Credit Card interest calculator

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

Find out how much faster you could pay off your credit card.

Welcome to our credit card interest calculator. Fill out the fields below to work out how much you could save in time and interest by paying a little extra. This could be useful if you already have an ASB credit card, or are looking to switch your current credit card or store card to an ASB credit card.

This calculator summary is intended as a guide/illustration only and is not an offer of finance from ASB Bank Limited.

A few things you should know about this calculation:

  1. Fees and charges that may be applied to your card (such as the joint account fee, additional card fee or a late payment fee) are not taken into account.
  2. The entire balance is comprised of transactions being charged the purchase interest rate and does not include any cash advances or Smart Rate purchases.
  3. The purchase interest rate does not change during the repayment period shown.
  4. Your account is not overlimit or overdue at any time during the repayment period.
  5. If you owe less than $10, your minimum monthly payment is the amount you owe. Otherwise, your minimum payment is any amount you are over your limit by, or 3% of your closing balance, or $10 - whichever is higher. 

Please see ASB's Credit Card Conditions of Use for more information about our credit cards.

Guides to get you there

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ASB's lending criteria, terms and fees apply. Interest rate on cash advances currently 22.95% p.a. applies. Interest rates and fees may change. Please refer to the Credit Card rates and fees for other fees and charges.

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