No account fee. Ever.
Seriously, never.
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.
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 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.
Rates and fees
Still need convincing? Check out the competitive ASB Visa Light rates and fees.
Frequently asked questions
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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 which combines 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, the standard low Visa Light purchase interest rate is applied to any remaining balance.
Although Smart Rate is a permanent feature of ASB Visa Light – the fixed interest rate, period of time and purchase amount can be updated at any time. Keep an eye on what our current offer 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.
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How do I keep track of my Smart Rate purchases?
Keep track of your Smart Rate purchases in your monthly credit card statement. You'll see the start date, promotional interest rate, end date, purchase amount and the amount left to pay – for each individual purchase eligible for Smart Rate.
Note: You can only keep track using your paper statement, or the PDF equivalent (found in your Document Centre in FastNet Classic internet banking). 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.
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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
Visit a branch or call
Visit us at one of our many branches, or call us on 0800 255 382.
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.
