Choose between earning True Rewards or AA Smartfuel discounts.
ASB Visa Rewards
Earn rewards on your everyday purchases with a credit card that’s accepted worldwide*.
Benefits at a glance
Want to save even more on fuel? Check out our limited time bonus discount.
You don’t need to skimp on the air-con or drive at a snail’s pace to save money on fuel, you just need an ASB Rewards credit card. Apply by 31st August 2022 to get a bonus AA Smartfuel discount each week for 12 months.*
Ways to use True Rewards
With the ASB Visa Rewards credit card, $150 spent = 1 True Rewards dollar. When you're ready to redeem, it's easy because every True Rewards dollar equals one New Zealand dollar.
Travel
Use your True Rewards dollars at House of Travel. You can choose any airline, any seat and any destination. You can also book your rental car and accommodation and get the whole package.
ASB KiwiSaver Scheme
You can transfer your True Rewards dollars into any ASB KiwiSaver Scheme account using FastNet Classic. Whether you want to contribute to your own savings or someone else's - the choice is yours.
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.
Online
Redeem for a wide range of rewards via our True Rewards online store, or select from a variety of gift vouchers.
Charities
St John, Auckland Coastguard or the Starship Foundation - transfer your True Rewards dollars to one of the many charities.
Gifting
You can transfer your True Rewards dollars to each other in FastNet Classic internet banking, so you can pool your True Rewards for a big purchase.
It's your choice - True Rewards or AA Smartfuel
Are you an AA Smartfuel member? With an ASB Visa Rewards credit card you can switch from earning True Rewards to earning 1c per litre off for every $75 you spend.*
How do you like to pay?
Apple Pay
Anywhere you can tap to pay, you can Apple Pay. Use it to pay in stores or online with the Apple devices you carry every day.**
Garmin Pay™
Set a new record time for buying those everyday purchases with your Garmin watch.
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.
Offer can be withdrawn at any time.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.
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 $5.00 will apply if you do not make the minimum payment due.
Apply for an ASB Visa Rewards credit card
*Open a new ASB Visa Platinum Rewards or ASB Visa Rewards credit card account by 31 August 2022 and switch to earn AA Smartfuel discounts. Get 20 cents per litre off fuel when you spend $50 each week on eligible purchases on your new ASB Visa Platinum Rewards credit card or get 10 cents per litre off fuel when you spend $75 each week on eligible purchases on your new ASB Visa Rewards credit card for 12 months.
ASB Bank Limited's terms and lending criteria apply. AA Smartfuel programme terms and conditions apply. Offer is for new ASB Visa Platinum Rewards and new ASB Visa Rewards credit card accounts opened from 4 July 2022 until the 31 August 2022. You will need to be a current or become an AA Smartfuel or AA member and switch to earn AA Smartfuel discounts by 30 September 2022 to participate in this offer. For the next 52 weeks following your new card being opened, you will earn the bonus AA Smartfuel discounts for each week that you spend at least $50 or more using your new ASB Visa Platinum Rewards or spend $75 or more using your new ASB Visa Rewards credit card. The spend can be across one or multiple purchases. If you qualify for a weekly bonus discount, that bonus will be loaded onto your AA Smartfuel account within two weeks. If you do not meet the spend criteria, you will not receive the bonus discount for the corresponding week. AA Smartfuel bonus discounts are redeemable on up to 50 litres. $520 of fuel savings are calculated based on taking an ASB Visa Platinum Rewards credit card and redeeming on a fuel fill of the maximum 50 litres each week for 12 months. Offer is not available for customers who hold or have held an ASB Visa Platinum Rewards or ASB Visa Rewards credit card account in the past 12 months, transfers from an existing ASB credit card account, open a new ASB Visa Business Rewards or in combination with any other offers. Spend criteria applies to purchases for goods and services only and excludes cash advances or transactions treated by ASB as quasi cash advances. Applicable for one card per customer only.
ASB's lending criteria and Credit Card Conditions of Use apply. 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.
*You will not earn AA Smartfuel discounts or True Rewards dollars on cash advances or transactions treated by ASB as quasi cash advances.
**Please see ASB Apple Pay terms.
