ASB Visa Light

No annual account fee and our lowest purchase interest, giving you more control over your budget.

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Benefits at a glance

With an ASB Visa Light credit card there’s no account fee – ever.

Get our lowest ongoing credit card purchase interest rate of 13.50% p.a.

With Smart Rate, you’ll get 0% p.a. for 6 months when you spend $1,000 or more on any single eligible purchase.

More options for you

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ASB Visa Rewards

Earn rewards on your everyday purchases

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ASB Visa Platinum Rewards

Our highest earning rewards credit card

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Get 0% p.a. fixed interest for 6 months on your transferred balance

Why pay higher interest elsewhere?

If you have another bank’s credit card or selected store card with an outstanding balance, you could transfer this to an ASB credit card for 0% p.a. fixed interest for 6 months.

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Offer can be withdrawn at any time. After the six months, the standard purchase interest rate for your card type will apply to any remaining balance transfer amount. Lending criteria, fees and terms apply. Find standard rates here.

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.


Credit card features

Take advantage of some of these great features available with ASB credit cards.

Pay your way

Make contactless payments on the go, with Apple PayGoogle PayFitbit Pay or Garmin Pay.

Card Control

Manage your ASB Visa cards anywhere, anytime with extra security and control

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

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.

What is Smart Rate?

Smart Rate is a special purchase interest rate that automatically gets applied to eligible purchases of $1,000 or more.

Step 1.

Make a single purchase of $1,000 or more.

Step 2.

Enjoy 0% p.a. fixed interest rate for 6 months!*

*When you make a single purchase of $1,000 or more with your Visa credit card, current Smart Rate of 0% p.a. fixed for six months gets applied automatically. There’s nothing else you need to do to qualify and it means you could save money on interest – ideal for unexpected purchases.

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 purchase rate will be charged on 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 $4.00 will apply if you do not make the minimum payment due.

Apply for an ASB Visa Light credit card

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Found the best card for you? Apply for a credit card online today.

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Visit a branch or call

Visit us at one of our many branches, or call us on 0800 100 600.

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ASB's lending criteria, terms and Credit Card Conditions of Use apply.

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.

Android and Google Pay are trademarks of Google LLC. For more information please visit the Google Pay support page. Please refer to ASB Google Pay Terms and Conditions.

Please see ASB Apple Pay terms.

Credit Cards ASB Visa Light