ASB Visa Low Rate

ASB Visa Low Rate has the lowest purchase interest rate of all our credit cards – giving you flexibility in your spending.

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ASB Virtual. The easy way to use payWave with an Android phone.

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Benefits at a glance

  • Our lowest interest rate on purchases, at just 13.50% p.a. – great if you don’t pay off your card every month
  • Control your credit card transactions and enjoy extra security in real time with ASB Card Control
  • Innovative ways to pay for your purchases on the go
  • Buy now, pay later – with up to 55 days interest free on purchases

Is it right for me?

An ASB Visa Low Rate may suit you if don’t pay off your credit card every month.

Key features

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Control your Visa with ASB Card Control

With ASB Card Control you call the shots from your mobile phone. Put a temporary lock on your card, set a spending limit, turn on/off ATM cash withdrawals and much more. And the great thing is, everything happens instantly.

Clever ways to pay for your purchases

Swipe or wave your card over the terminal in-store, or use it to shop online. Innovations like ASB PayTag and Virtual also transform your mobile phone into a credit card, giving you more ways to pay on the go.

Exclusive offers through Visa Entertainment

Through Visa Entertainment your card gives you access to exclusive ticket pre-sales, special discounts and competitions from some of the world’s greatest entertainment brands.

Rates and fees

Purchase interest rate


Cash advance interest rate


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)

  • 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 $15.00 will apply if you do not make the minimum payment due.
  • If you exceed your credit card limit we can charge an over limit fee of $20.00.

Apply for an ASB Visa Low Rate Credit Card

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Ready for the next step? Get started today.

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Visit a branch

Visit us at one of our many branches across New Zealand.

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