ASB Visa Platinum Rewards

Earn True Reward dollars faster with our highest earning rewards credit card.

Apply online

Benefits at a glance

Earn True Rewards dollars at our highest earn rate.

Low Platinum account fee of $80 p.a.

Ways to use True Rewards

With the ASB Visa Platinum Rewards credit card, $100 spent = 1 True Rewards dollar. See how many True Rewards dollars you could earn with the ASB True Rewards Calculator. When you're ready to redeem, it's easy because every True Rewards dollar equals one New Zealand dollar.

Shop in-store

Use your True Rewards dollars like real dollars – just swipe your True Rewards card, like you would your EFTPOS card, at our partner stores to redeem instantly.

Learn more


Redeem for a wide range of rewards via our True Rewards online store, or select from a variety of gift vouchers.

Learn more


Use your True Rewards dollars at House of Travel, Mix & Match and Webjet to plan the perfect holiday.

Learn more

ASB KiwiSaver Scheme

Transfer your True Rewards dollars into a ASB KiwiSaver Scheme account using FastNet Classic.

Learn more

Do some good

Youthline, KidsCan or St John - donate your True Rewards dollars to one of our many charities.

Learn more


Gift True Rewards dollars to each other in FastNet Classic or combine for a big purchase.

FastNet Classic

Update to the AA Smartfuel programme

Changes to ASB Rewards Programme Terms and AA Smartfuel - effective from 4 December 2023

AA Smartfuel have decided to end their programme on Wednesday 31 January 2024.  ASB customers can continue earning AA Smartfuel discounts through their ASB Rewards credit card until Sunday 3 December 2023.  On Monday 4 December 2023 all customers who are earning AA Smartfuel discounts will be automatically switched to earning True Rewards dollars instead. Customers will be able to redeem their AA Smartfuel discounts up until 11:59pm on 31 January 2024.

More options for you

Compare ASB credit cards

Find the credit card that suits you

Find out more

ASB Visa Rewards

Find the credit card that suits you

Find out more

ASB Visa Light

Our lowest purchase interest rate, with no account fee

Find out more

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

Transfer your other bank credit card or selected store card balance to an ASB Visa Platinum Rewards credit card, and receive 0% p.a. fixed interest for 6 months.

Apply online Find out more

Offer can be withdrawn at any time.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.

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 card 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 $4 will apply if you do not make the minimum payment due.

Apply for an ASB Visa Platinum Rewards credit card

Apply online

Ready for the next step? Get started today.

Apply online

Visit a branch

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

Find a branch

ASB’s lending criteria and terms apply. ASB Rewards Programme Terms and conditions apply. Please refer to the ASB Visa Platinum Travel Insurance Policy for full details. If you are 76 years of age or over, you are not eligible for cover under the base policy, but may be able to purchase Mature Age Cover to receive travel insurance benefits. Other exclusions or limitations apply.

*You will not earn AA Smartfuel discounts or True Rewards dollars on cash advances or transactions treated by ASB as quasi cash advances.

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 CardsASB Visa Platinum Rewards