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ASB Visa Rewards credit card

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Earn True Rewards or AA Smartfuel discounts just by using your ASB Visa Rewards card for everyday purchases.

Being rewarded for spending is a win-win situation, and the ASB Visa Rewards card gives you two ways to do so.

Rather than having one reward programme that may not suit your needs, ASB allows you to choose between True Rewards and AA Smartfuel discounts. You don’t have to make your mind up when you apply, as you can switch and change throughout the term of your card.

20.95% APR

Purchase Rate

$40 p.a.

Annual Fee

Details

Product NameASB Visa Rewards Credit Card
Purchase rate (p.a.)20.95% APR
Annual Fee$40 p.a.
Interest Free PeriodUp to 55 days on purchases
Cash advance rate (p.a.)22.95% APR
Min credit limit$500
Card TypeVisa
Late Payment Fee$9
Complimentary Travel InsuranceNo
Available To Temporary ResidentsNo
Joint ApplicationYes

Benefits of the ASB Visa Rewards credit card

  • Choose your reward.When you sign up to the ASB Visa Rewards card you can choose between True Rewards or AA Smartfuel discounts. You can also switch between rewards on a daily basis.
  • True Rewards.For every $150 you spend on your card you’ll earn 1 True Rewards Dollar. True Rewards Dollars can be redeemed at the online store, at House of Travel and at partner stores. You can also donate your dollars to charity or use them as contributions to your KiwiSaver scheme.
  • AA Smartfuel discounts. If you choose to get AA Smartfuel discounts, every $75 you spend on your ASB Visa Rewards card equates to 1c per litre off to a maximum of 50 litres.
  • Transfer your balance. You won’t pay any interest for 6 months on a balance transferred from another credit card.
  • Mobile payments. For greater convenience when shopping, connect your ASB Visa Rewards to Garmin Pay, Fitbit Pay, Apple Pay or Google Pay.

Features of the ASB Visa Rewards credit card

  • Interest rate. This credit card has an interest rate for purchases of 20.95% p.a., and 22.95% p.a. for cash advances.
  • Account fee. Every 6 months you’ll pay an account fee of $20, automatically charged to your card.
  • Joint and additional cards. If you want to add a joint cardholder there will be a $13 per person fee every 6 months. Additional cards have a fee of $6 every 6 months.
  • ASB Card Control. This app allows you to control your card from your phone with the ability to turn off and on different types of transactions or put a block on your card.

How to apply

Once you’ve compared credit cards and you want to apply for the ASB Visa Rewards card, you can contact ASB by phone or visit a branch.

Alternatively, you can complete an application form online at a time convenient to you.

You will need to supply your contact information and financial details, and you can expect to receive a response within 1-2 working days.

Existing ASB customers can apply through internet banking.

Eligibility criteria

  • Be at least 18 years of age
  • Be a New Zealand citizen or permanent resident
  • Have a regular income
  • Agree to a credit check

Required documents

If you don’t have a banking relationship already with ASB, you will need to prove your identity and what you earn.

During the application process, you will be asked to provide a valid photo ID, proof of address and bank statements.

Try to have these documents handy so you get things finalised as quickly as possible. Depending on your situation, ASB may ask for additional documentation before approval.

Compare other credit cards

Name Product Purchase Rate Interest Free Period Annual Fee
American Express Airpoints Card
0% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$0 p.a.
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved, and spend $750 on your new Card in the first 3 months of membership. This offer is available to new Card Members only.
American Express Airpoints Platinum Card
19.95% APR
Up to 55 days on purchases
$195 p.a.
Be rewarded with 400 bonus Airpoints Dollars when you apply online by 30 March 2021, are approved, and spend $1,500 on your new Card within the first 3 months. This offer is available to new Card Members only. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Platinum Edge Credit Card
2.99% for 6 months (reverts to 19.95% APR)
Up to 55 days on purchases
$149 p.a.
Enjoy a low rate on purchases and earn 20,000 Membership Rewards Bonus Points if you apply, are approved and spend $750 in the first 3 months of Card membership. This offer is available to new Card Members only.
Farmers Mastercard
25.95% APR
Up to 55 days on purchases
$50 p.a.
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