ASB Visa Light

With no account fee, our lowest ongoing purchase interest rate and the Smart Rate purchase feature, ASB Visa Light is a great everyday credit card.

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No account fee. Ever.

Seriously, never.

Low purchase interest rate.

Our lowest ongoing purchase interest rate of 13.50% p.a.

Get going with Smart Rate.

Our Smart Rate purchase feature, currently 0% p.a. fixed interest for six months on any purchase $1,000 or more.

Ready to apply?

Apply online at your convenience and in your own time – get started today.

Apply online

Rates and fees

Still need convincing? Check out the competitive ASB Visa Light rates and fees.

Rates and fees

Frequently asked questions

  • Can I apply for a balance transfer to an ASB Visa Light credit card?

    Yes you can. Check out our current balance transfer offer here

    If you're an existing ASB credit cardholder, simply apply for a balance transfer online here

    If you're new to ASB or don't have FastNet Classic internet banking, you'll need to visit one of our many ASB branches.

  • What is Smart Rate and how does it work?

    Smart Rate is our purchase rate offer that has a special fixed interest rate, for a set period of time, when you spend a certain amount on a single purchase.

    After the offer period has ended, the standard low Visa Light purchase interest rate is applied to any remaining Smart Rate balance.

    Although Smart Rate is a feature of ASB Visa Light – the fixed interest rate, period of time and the purchase amount can be updated at any time. Keep an eye on what our current Smart Rate is here.

    Smart Rate can only be applied to single purchases and excludes other transaction types like cash advances and transactions equivalent to a cash advance - including buying foreign cash, traveller's cheques, casino chips etc.

  • How do I keep track of my Smart Rate purchases?

    Keep track of your Smart Rate purchases on your monthly credit card statement. Smart Rate purchases will display a start date, promotional interest rate, end date, purchase amount and the amount left to pay - for each individual Smart Rate purchase.

    Note: You can view details in Document Centre in FastNet Classic internet banking or on your paper statement. It is not available anywhere else in FastNet Classic or ASB Mobile.

    Remember to pay at least your minimum balance due each month, as you normally would. Find out more on how your payments are allocated to your credit card account.

  • Do I get these new benefits if I already have a Visa Low Rate?

    If you have a Visa Low Rate, you automatically get these benefits applied to your existing Visa Low Rate card, and you don't need the new card design to enjoy the benefits of ASB Visa Light.

    If you would like the new Visa Light card design before your card is due to be reissued - cancel and replace your existing Visa Low Rate card through FastNet Classic internet banking or the ASB Mobile app – however a $10 replacement card fee will apply.

Rates and fees

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)

Individual account fee

(Every 6 months)

Joint account fee (per person)

(Every 6 months)

Additional card fee (per card)

(Every 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 6 months, the standard purchase interest rate will apply.
  • Interest rates are subject to change. 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 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 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 $9.00 will apply if you do not make the minimum payment due.

Apply for an ASB Visa Light credit card

Apply online

Ready for the next step? Get started today.

Apply online

Visit a branch or call

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

Find a branch

The standard purchase interest rate applies to Smart Rate purchases after the specified promotional period. Smart Rate purchase offers apply to purchases of goods and services only and are subject to change. All rates are subject to change. ASB's lending criteria, terms and Credit Card Conditions of Use apply.

Credit Cards ASB Visa Light