TSB Visa Classic Credit Card

TSB is currently unable to process new credit card applications, credit limit increases and balance transfers. Existing cardholders may refer to the information on this page for reference.

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18.5% p.a.

Purchase Rate

$30 p.a.

Annual Fee


Product NameTSB Visa Classic Credit Card
Purchase rate (p.a.)18.5% p.a.
Annual Fee$30
Interest Free PeriodUp to 55 days on purchases
Minimum Monthly Payment3% of transaction value or $10, whichever is greater
Card TypeVisa
Late Payment Fee$12
Complimentary Travel InsuranceNo
Joint ApplicationYes

Benefits of the TSB Visa Classic

  • Braille print. TSB helps visually impaired customers easily identify their Visa Classic card by printing ‘TSB C’ in braille on the card.
  • Interest-free days. Get up to 55 days interest-free on purchases when you use your TSB Visa Classic.
  • Accepted globally. Use your card anywhere in the world where Visa is accepted.

Features of the TSB Visa Classic

  • Interest rate. An interest rate of 18.5% p.a. applies to purchases and cash advances using the TSB Visa Classic. A cash advance fee of $2 is charged in New Zealand or $5 for overseas transactions.
  • Card fee. TSB charges a fee of $15 every 6 months for the first card. Additional or joint cards incur a cost of $2.50 per 6 months.
  • Visa payWave. When making purchases in-store at Visa payWave retailers, tap your card on the machine. Payments are more secure since you don’t need to hand over your card, and you only need to enter your PIN if the transaction is $200 or over.
  • Fraud protection. Verified by Visa and Visa’s Zero Liability policies help protect you against fraud and remove your liability when you meet its terms and conditions.

How to apply

If you want to apply for a TSB Visa Classic, you must have a TSB account. You can download a form from the website and take it to your local branch or complete an online application to open an account.

Eligibility criteria

To be eligible to open a TSB account online you will need to:

  • Be at least 18 years of age
  • Be a New Zealand citizen or permanent resident
  • Have a smartphone or computer with a webcam.

Required documents

To open your TSB account, you need a New Zealand Driver’s Licence or passport.
TSB also asks for other documentation while opening your account and applying for the TSB Visa Classic, which may include:

  • Proof of address: A recent bank statement, utility bill or government letter
  • Proof of income: Bank statements and/or payslips

TSB will advise you on exactly what you need during the application process, and in some cases, it may require more documents. For more information, you may contact TSB at 0800 872 226.

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