ASB Visa Rewards

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

Apply online

Benefits at a glance

Choose between earning True Rewards or AA Smartfuel discounts.

Lock or block your card in real-time with ASB Card Control.

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.


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.


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.


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


St John, Auckland Coastguard or the Starship Foundation - transfer your True Rewards dollars to one of the many charities.


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.**

Find out more

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.

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Offer can be withdrawn at any time.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.

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

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 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.

Credit CardsASB Visa Rewards