Credit card comparison tool
Compare interest rates, fees, rewards, and more with our handy tool. Interested in business credit cards? Click on the cards below to compare.
ASB Visa Flex
The card for getting started with some flex for your money, enjoy no fees and our lowest interest rate. |
ASB Visa Light
The card with no account fee, a low purchase interest rate and access to interest savings on large purchases of $1,000 or more. |
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$150 = TR$1 $2 = 1 Everyday Rewards point + 2,000 points every 6 months* |
$100 = TR$1 $1 = 1 Everyday Rewards point |
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$100 = TR$1 $1 = 1 Everyday Rewards point |
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Overseas travel insurance
(per return trip) |
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Interest free days
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Up to 55 days
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Up to 55 days
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Up to 55 days
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Up to 55 days
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Up to 50 days
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Up to 50 days
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Minimum credit limit
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$500
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$1,000
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$500
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$8,000
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$1,000
per card |
$1,000
per account |
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Maximum credit limit
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$4,000
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Individual account fee
(every 6 months) |
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per card |
up to 3 joint card holders |
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Additional card fee
(every 6 months) |
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per card |
per card |
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per card |
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Joint account fee
(every 6 months) |
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per person |
per person |
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up to 3 joint card holders |
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Interest rate on purchases
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Interest rate on cash advances
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Interest rate on balance transfers
(fixed for 6 months) |
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Offshore Service Margin
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- Interest rates are subject to change. The purchase rate will be charged on Dishonoured Payments.
- Our current Smart Rate purchase offer for ASB Visa Light is available at asb.co.nz/light
- The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of the transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate. Terms apply.
- Please refer to the Credit Card rates and fees or the Business Credit Card rates and fees for other applicable fees. Fees subject to change.
- You must make a minimum payment by the due date every month as shown on your monthly statement. A late payment fee of $4.00 may apply if you do not make the minimum payment due.
Credit card features
Take advantage of some of these great features available with ASB credit cards.
Card Control
Manage your ASB Visa cards anywhere, anytime with extra security and control.
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.
Pay your way
Make contactless payments on the go, with Apple Pay, Google Pay, Fitbit Pay or Garmin Pay.
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.
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.
Apply for an ASB credit card
Ready to go
Found the best card for you? Apply for a credit card online today.
Visit a branch
Visit us at one of our many branches across New Zealand.
ASB's lending criteria and terms apply. Interest rate on cash advances currently 22.95% p.a. applies excluding ASB Visa Flex cash advance interest rate currently 9.95% p.a. applies. Interest rates may change. Fees apply, refer to asb.co.nz for details. Fees may change. Refer to asb.co.nz for other fees and charges. Credit card balance transfer terms apply. The standard purchase interest rate for your card type will apply to purchases and, after the 6 month period, to any remaining balance transfer amount. Find standard rates at asb.co.nz
ASB's Credit Card Conditions of Use and ASB Rewards Programme Terms apply. Everyday Rewards programme terms and conditions apply.
*For ASB Visa Rewards card customers bonus 2,000 Everyday Rewards points will be credited after remaining on Everyday Rewards for every 6 consecutive statement periods, offer excludes additional card holders.