ASB Visa Rewards

Earn rewards on your everyday purchases with a credit card that’s accepted worldwide.

Apply online

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

Find out more

Benefits at a glance

  • Earn rewards just by spending on your card
  • 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 Rewards could be a great option if you use your credit card regularly and and like to earn rewards for your spending.


Key features

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Get more with ASB

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.

Earn ASB True Rewards Dollars on your purchases

You’ll earn True Rewards Dollars for every purchase you make, whether it’s a coffee, your weekly groceries or a TV. Then you can spend them like cash at any of our partner stores or our online store.
Get one True Rewards Dollar for every $150 you spend on your ASB Visa Rewards. One True Rewards Dollar equals one New Zealand dollar so it’s easy to work out how much you have. And best of all, True Rewards Dollars never expire.

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.

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)

True Rewards fee (per person)

(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 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

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