Credit Cards

You’re in charge with an ASB Visa card. Explore flexible options with a low interest rate, rewards or up to 55 days interest-free on new purchases, all with no foreign currency fee (Offshore Service Margin).

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Unlock up to $300 in Everyday Rewards vouchers

Choose to earn Everyday Rewards as your rewards option when you open a new ASB Visa Platinum Rewards or ASB Visa Business Rewards credit card to get $300 worth of Everyday Rewards vouchers, or a new ASB Visa Rewards credit card to get $150 worth of Everyday Rewards vouchers†. No minimum spend required. Offer ends 1 November 2026.

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Our credit card options

Credit criteria, rates and fees apply and are subject to change.

ASB Visa Flex

No annual card fee, and our lowest interest rate.

  • $0 account fee.
  • 9.95% p.a. purchase and cash advance interest rate.
  • No foreign currency fee whether you’re travelling or shopping online.
  • Up to 55 interest-free days.

Find out more

ASB Visa Light

Low rate, no annual card fee and long interest free period.

  • $0 account fee.
  • 13.50% p.a. purchase interest rate.
  • 6-month interest-free period on Smart Rate purchases $1,000 or more.
  • No foreign currency fee whether you’re travelling or shopping online.

Find out more

ASB Visa Rewards

Earn rewards on your everyday purchases.

  • $40 annual card fee.
  • 20.95% p.a. purchase interest rate.
  • Earn 1 True Reward Dollar for every $150 spent.
  • Up to 55 days interest-free.
  • Easily switch to earn Everyday Rewards points.
  • No foreign currency fee whether you’re travelling or shopping online.

Find out more

ASB Visa Platinum Rewards

Our highest earning rewards credit card.

  • $125 annual card fee.
  • 19.95% p.a. purchase interest rate.
  • Access to overseas travel insurance.
  • Earn 1 True Reward Dollar for every $100 spent.
  • Easily switch to earn Everyday Rewards points.
  • No foreign currency fee whether you’re travelling or shopping online.

Find out more

Compare all the features of our credit cards

Our handy tool compares all our Visa cards and helps you choose the right card to suit your needs. Looking for a business card? Find out more here.

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Credit card features

Take advantage of some of these great features available with ASB credit cards.

Card Control

Manage your ASB Visa cards anywhere, anytime with extra security and control, including the ability to lock and unlock cards, set spending limits, view due dates on outstanding balances and manage recurring payments.

Get rewarded when you spend

Score great deals when you use your credit card. Earn True Rewards dollars or Everyday Rewards points on your everyday purchases when you spend with an ASB rewards credit card.*

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.

Easily 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.

Travel smart with your ASB Visa credit card

Use your ASB Visa credit card overseas with confidence whether you're shopping in-store or making purchases online.

Your card is ready for your next trip. Before you go, let us know your overseas travel plans so we can help monitor for suspicious activity while you're away. You can do this in the 'More' section of the ASB Mobile Banking app.

Credit card interest calculator

A little can go a long way. Work out the impact of paying a little extra off your outstanding credit card balance each month.

Calculate

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

Why pay higher interest elsewhere?

Transfer your outstanding balance from another bank's credit card or eligible store card. Enjoy an interest-free period fixed for 6 months (credit criteria and fees apply). Balance transfers not available to ASB Visa Flex.

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.

Is a credit card right for me?

A credit card gives you access to ongoing money when you need it. It might be for you if;

  • You want to start building a good credit history.
  • You make repayments within a period of time, so you can get up to 55 days interest free on purchases.
  • You want to enjoy earning rewards on everyday spend.
  • You want access to backup funds in the case of emergencies.
  • You are over 18 years old.

Have a look at what we consider while assessing credit card applications.

Apply for an ASB credit card

Ready to go

Found the best card for you? Apply for a credit card online today.

Apply online

Need help?

If you're unable to apply online, please call us on 0800 100 600.

We're here to help you

*You will not earn True Rewards dollars or Everyday Rewards points on cash advances or transactions treated by ASB as quasi cash advances.

ASB's lending criteria, terms, fees, and Credit Card Conditions of Use 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.

For balances transferred to ASB, the standard purchase interest rate for your card will apply to purchases and, after the 6 month period, to any remaining balance transfer amount. Interest rate on cash advances currently 22.95% p.a. applies excluding ASB Visa Flex cash advance interest rate currently 9.95% p.a. applies.

Cash advance and service fees may apply. Offer can be withdrawn at any time.

The standard purchase interest rate applies to Smart Rate purchases after the specified promotional period. Smart Rate purchase offers apply to purchases of goods and services only and are subject to change. All rates are subject to change.

Everyday Rewards programme terms and conditions apply.

†Get up to $300 in Everyday Rewards vouchers Terms and Conditions:

Open a new ASB Visa Rewards, ASB Visa Platinum Rewards, or ASB Visa Business Rewards credit card account (“Eligible credit card accounts”) between 14 September and 1 November 2026. Get 20,000 bonus Everyday Rewards points when you open a new ASB Visa Rewards credit card account, or 40,000 bonus Everyday Rewards points when you open a new ASB Visa Platinum Rewards or ASB Visa Business Rewards credit card account, and switch to Everyday Rewards by 20 November 2026.​

Offer is not available for customers who hold or have held the relevant eligible credit card account in the past 12 months, transfer from an existing ASB credit card, or in combination with any other offers.​

Offer is limited to one award of bonus points per qualifying eligible credit card account, and the bonus Everyday Rewards points will be allocated to the linked Everyday Rewards account of the cardholder by 4 December 2026.​

The eligible credit card account and Everyday Rewards account must be open and linked at the time of issuing the bonus Everyday Rewards points. Bonus Everyday Rewards points will be converted to your reward choice as set in your Everyday Rewards account.​

Where multiple ASB Visa rewards credit card accounts meet the eligibility criteria for this offer, you will receive the higher value available​.

ASBCredit Cards