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ASB credit card rates and fees

Rates and fees may change

Visa Light

Interest rates
Purchase interest rate
Cash advance interest rate
Smart Rate purchases*
(Fixed interest for 6 months on any purchase $1,000 or more)
Balance transfer interest rate
(fixed for 6 months)

*The details of the above Smart Rate purchase offer (e.g. 0% p.a., $1,000 purchase amount and the 6 month set period) are subject to change. After the 6 month period, any outstanding balance will be charged at the Visa Light purchase interest rate. Find out more about our Smart Rate purchase feature.

The cash advance interest rate will be charged on cash advances and dishonoured payments.

The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate.

Fees
Individual account fee (every 6 months)
Joint account fee (per person, every 6 months)
Additional card (per card, every 6 months)

Visa

Interest rates
Purchase interest rate
Cash advance interest rate
Balance transfer interest rate
(fixed for 6 months)

The cash advance interest rate will be charged on cash advances and dishonoured payments.

The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate.  

Fees
Individual account fee (every 6 months)
Joint account fee (per person, every 6 months)
Additional card (per card, every 6 months)

Visa Rewards

Interest rates
Purchase interest rate
Cash advance interest rate
Balance transfer interest rate
(fixed for 6 months)

The cash advance interest rate will be charged on cash advances and dishonoured payments.

The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate.  

Fees
Individual account fee (every 6 months)
Joint account fee (per person, every 6 months)
Additional card (per card, every 6 months)
True Rewards fee (per enrolled card, every 6 months)

The True Rewards fee is charged to the primary cardholder's account.

Visa Gold Rewards

Interest rates
Purchase interest rate
Cash advance interest rate
Balance transfer interest rate
(fixed for 6 months)

The cash advance interest rate will be charged on cash advances and dishonoured payments.

The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate.  

Fees
Individual account fee (every 6 months)
Joint account fee (per person, every 6 months)
Additional card (per card, every 6 months)
True Rewards fee (per enrolled card, every 6 months)

The True Rewards fee is charged to the primary cardholder's account.

Visa Platinum Rewards

Interest rates
Purchase interest rate
Cash advance interest rate
Balance transfer interest rate
(fixed for 6 months)

The cash advance interest rate will be charged on cash advances and dishonoured payments.

The balance transfer interest rate will be charged on the balance transferred for 6 months from the date of transfer. Any outstanding balance at the end of this period will be charged at the applicable standard purchase rate.  

Fees
Individual account fee (every 6 months)
Joint account fee (per person, every 6 months)
Additional card (per card, every 6 months)
True Rewards fee (per enrolled card, every 6 months)

The True Rewards fee is charged to the primary cardholder's account.

Other fees

Credit card cash advance fees
Interest will be charged from the date of the cash advance.
ASB ATM / FastPhone / FastNet Classic
Other New Zealand bank ATM
Staff assisted
Overseas (teller or ATM) displaying the Visa logo
Credit card service fees
Replacement card
Statement copy
Overseas card delivery (Courier service fee)
Late payment fee
Over limit fee

If you exceed your credit card limit by more than 10% on any monthly statement, an over limit fee will apply.

Offshore service margins

Overseas transactions will either first be converted into US dollars and then into New Zealand dollars or converted directly at an exchange rate selected by Visa or us (as the case may be) from available wholesale rates (or, if applicable, the Government mandated rate).

The Offshore Service Margin is a margin charged by us when you use your card to make an overseas transaction.

For overseas transactions made using your ASB Visa card Offshore Service Margins of 2.10% of the New Zealand dollar amount of the transaction are charged. For purchases refunded back to your ASB Visa card account, Offshore Service Margins of 2.10% of the New Zealand dollar amount of the transaction are charged. The margins that are charged to your card account may differ from the margins that were charged for the original transaction due to fluctuations in the conversion rate.

The converted amount and the Offshore Service Margins will appear on your card statement. You will be charged ASB FastCash card fees and margins if you select cheque or savings when using your ASB credit card overseas.

MasterCard

ASB no longer offers MasterCard credit cards. View ASB MasterCard rates and fees.

Terms and conditions: Interest rates and fees are subject to change at any time. Ask at any ASB branch about current rates and fees. ASB lending criteria and Credit Card Conditions of Use apply.

Rates and fees current as at

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Credit CardsASB Visa credit card rates & fees