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ASB credit card rates and fees
Rates and fees may change
Visa Light
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Interest rates
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Purchase interest rate
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Cash advance interest rate
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Smart Rate purchases*
(Fixed interest for 6 months on any purchase $1,000 or more) |
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Balance transfer interest rate
(fixed for 6 months) |
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*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 Rewards
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Interest rates
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Purchase interest rate
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Cash advance interest rate
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Balance transfer interest rate
(fixed for 6 months) |
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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 Platinum Rewards
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Interest rates
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Purchase interest rate
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Cash advance interest rate
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Balance transfer interest rate
(fixed for 6 months) |
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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)
Other fees
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Credit card cash advance fees.
(Interest will be charged from the date of the cash advance.) |
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Teller assisted
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Credit card service fees
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Statement copy
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Overseas card delivery (Courier service fee)
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Late payment fee
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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.
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.
Visa Classic
ASB no longer offers this product for new customers. View the Visa Classic (Visa without Rewards) credit card rates and fees.
MasterCard
ASB no longer offers MasterCard credit cards for new customers. View ASB MasterCard rates and fees.
Business credit cards
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
