Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

ASB credit cards

You can pick a rewards-earning credit card or a low-fee, low-interest credit card that offers balance transfers when you apply at ASB, the savings bank founded in Auckland.

No reviews yet. Write a review
Finder Award - car insurance logo

Highly Commended Credit Card Brand

★★★★★ – Awarded Highly Commended Credit Card Brand by consumers in the Finder Credit Card Awards 2021.

Consider applying for a credit card at a bank founded in New Zealand, where you get a choice between credit cards with no annual fee and cards that reward you for spending.

First opening in 1847 in Auckland, ASB delivers a straightforward range of credit cards for both personal and business needs. You can also enjoy contactless payments and online banking across the ASB credit card range.

Finder does not currently have access to this credit card provider. Please review the product details, application criteria and terms and conditions on the provider website if you are considering applying for this product.

1 - 5 of 5
Name Product Purchase Rate Annual Fee Balance Transfer Rate
ASB Visa Business Credit Card
ASB Visa Business Credit Card
20.95% p.a.
ASB Visa Rewards Credit Card
20.95% p.a.
0% p.a. for 6 months
Earn 1 True Rewards dollar for every $150 spent or get 1c off per litre of fuel with AA Smartfuel for every $75 spent on eligible purchases.
ASB Visa Business Rewards
19.95% p.a.
0% p.a. for 6 months
Earn 1 True Rewards dollar for every $100 spent or switch to AA Smartfuel discounts and earn 1c off per litre of fuel for every $50 spent on eligible purchases.
ASB Visa Platinum Rewards Credit Card
19.95% p.a.
0% p.a. for 6 months
Earn 1 True Rewards dollar for every $100 spent. True Rewards dollars can be redeemed at partner stores like BP, Farmers and Mitre 10.
ASB Visa Light
13.5% p.a.
0% p.a. for 6 months
0% p.a. interest for 6 months on any purchase of $1,000 or more with ASB Smart Rate.
1 - 5 of 34
Name Product Purchase Rate Annual Fee Balance Transfer Rate
American Express Airpoints Platinum Card
19.95% p.a.
Receive 300 bonus Airpoints Dollars when you apply online, are approved and spend a minimum of $1,500 on your new card within the first 3 months of membership. This offer is available to new Card Members only. T&Cs apply. You will also earn 1 Airpoints Dollar for every $59 you spend on your card.
American Express Airpoints Card
0% for 6 months (changes to 19.95% p.a.)
Be rewarded with 50 bonus Airpoints Dollars. Simply apply, be approved and spend $750 on your new Card within the first 3 months of membership. This offer is available to new Card Members only.
American Express Gold Rewards Card
19.95% p.a.
Receive $200 credit when you apply online, are approved and spend $1,500 on your card within the first 3 months of membership. Offer is available to new card members only. T&Cs apply. You will also earn 2 Membership Rewards points for every $1 spent on eligible purchases.
The Co-operative Bank Fair Rate Credit Card
12.95% p.a.
0% p.a. for 6 months
0% p.a. on balance transfers for 6 months, plus benefit from a low rate of 12.95% p.a. on both purchases and cash advances.
Q Mastercard
0% for 3 months (changes to 26.69% p.a.)
Get 3 months zero interest and zero payments on every purchase with no minimum spend required. Ts&Cs apply.

Credit cards on offer from ASB

If you are looking for a credit card with no annual fee, you could consider the ASB Visa Light card, which does not charge a fee just for holding the card. Alternatively, you can opt for a rewards card including an ASB Platinum card, which also offers additional features and benefits.

Rewards credit cards

ASB offers you a choice of rewards cards, including the ASB Visa Rewards card and the Visa Platinum Rewards card. The standard card offers you one True Rewards dollar for every $150 you spend, while the Platinum Rewards card offers one True Rewards dollar for each $100 in credit card spend, but charges a higher annual fee. Both cards include many of the additional perks and privileges typically associated with a rewards credit card.

No annual fee credit cards

Prefer to keep your credit card costs to a minimum? Consider the ASB Visa Light credit card, which charges no annual fee and also features a low purchase interest rate.

Business credit cards

Manage your business expenses and keep tabs on your cash flow when applying for an ASB Visa Business credit card. You can have several cards with different credit limits attached to a single account, allowing you to control spending for each employee or department. If you’re willing to pay a higher annual fee in exchange for rewards, you should consider the ASB Visa Business Rewards credit card instead.

Benefits of banking with ASB

  • Earn rewards as you spend. Apply for one of ASB’s rewards cards, and you stand to earn True Rewards dollars on almost all of your credit card spending. Each True Rewards dollar is equivalent to one New Zealand dollar, which you can spend at a selection of online and retail partners. Partners include travel agencies, wine retailers and design and fashion stores. You can even apply them to your KiwiSaver scheme.
  • Interest-free period of 55 days on purchases. Personal cardholders can enjoy up to 55 days of credit on purchases without paying any interest, as long as your credit card account is always fully paid up with every statement. Business card holders enjoy up to 50 days of interest-free credit on purchases.
  • 0% interest on large purchases for up to 6 months. If you hold the ASB Visa Light card you can apply Smart Rate to purchases of $1,000 and over. At the time of writing, Smart Rate entitles you to 0% p.a. for a period of 6 months, after which the standard ASB Visa Light purchase interest rate will resume.
  • 0% balance transfer for 6 months. Except for the ASB Visa Business credit card, all ASB credit cards offer you 0% interest for 6 months on balances transferred from a different credit card provider. You need to keep your credit account in good standing to ensure the 0% rate applies throughout the 6 months and can only transfer balances up to 90% of your credit limit.
  • Contactless payments and payments with Android phones. Thanks to Visa payWave, you can pay for goods and services simply by tapping your credit card on the reader. In addition, ASB supports Android mobile phones via ASB Virtual, allowing you to use your phone to make credit card payments. ASB also supports Google Pay, Apple Pay, Fitbit Pay and Garmin Pay.
  • ASB Card Control for instant power over your card. ASB Card Control allows you to use your mobile phone to control your ASB credit card instantly. For example, you can put a temporary lock on your card by tapping your phone or turning ATM cash withdrawal on or off. Spending limits can also be controlled, with instant effect, via ASB Card Control.

How can I apply for an ASB credit card?

Choose an ASB credit card that fits your needs and compare it to similar products from other providers. Once you’re confident that the ASB card is the best choice for you, complete the secure online application form. ASB should respond within one to two working days.

Eligibility requirements

  • Age requirement. You can apply if you’re 18 or older.
  • Place of residence. You must be a permanent resident of New Zealand or a New Zealand citizen.
  • Income requirement. For the Visa Platinum Rewards card, you need to have a minimum income of $50,000; otherwise, ASB only states that you need to prove you have a regular income to apply.
  • Credit file. You need a credit record in good standing to successfully apply.

Necessary documents and information

  • Income and employment. Have ready full details of your income, including how long you’ve been employed and your earnings. Dividend and investment income also count.
  • Financial commitments. Any financial obligations should be declared, including regular rental payments or your mortgage obligation.
  • Personal details, including address. You’ll also need to supply your current address and provide a utility bill that proves it and supply the period you have been residing at that address. You also need to provide proof of your identity, for example, using a passport or driving licence.

Frequently asked questions about ASB credit cards

ASB offers an easy to understand range of cards but see below for the most commonly asked questions. You can also ask one of our experts if your question is still not answered – complete the request box at the bottom of this page.

Bottom line

Choosing an ASB credit card is a good option, especially if you are looking for a card that costs you as little as possible, but you could opt for one of the ASB rewards-earning cards if you prefer to get something back every time you use your credit card.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use, Disclaimer & Privacy Policy.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site