ASB Credit Cards

The ASB (Auckland Savings Bank) is a New Zealand bank providing credit cards, accounts, loans, insurance, investments and advisory.

ASB Bank logo

Types of ASB credit cards

ASB Flex

Features:

  • ASB’s lowest rate credit card with no annual fee, Flex could be a good option for those who don’t usually use credit cards, but would like access to credit for unforeseen essential purchases.

Fees and charges:

  • No annual account fee
  • Purchase interest rate: 9.95% p.a.
  • Cash advance interest rate: 9.95% p.a.
  • Minimum credit limit: $500
  • Up to 55 days interest free

Compare Low Rate Credit Cards

 

ASB Visa Light

Features:

  • Smart Rate interest of 0% p.a. for six months for eligible purchases of $1000 or more

Fees and charges:

  • No annual account fee
  • Purchase interest rate: 13.50% p.a.
  • Balance transfers: 0% p.a. for the first six months
  • Cash advance interest rate: 22.95% p.a.
  • Current Smart Rate: 0% p.a. for six months
  • Up to 55 days interest free

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ASB Visa Rewards

Features:

  • Choose between earning True Rewards dollars, or Everyday Rewards points through Woolworths and bp service stations
  • Use True Rewards dollars like real dollars at ASB partner stores, transfer to your ASB KiwiSaver, or gift them to charity
  • $1 spend = $0.0066 True Reward Dollar
  • Up to 55 days interest free

Fees and charges:

  • $40 annual fee
  • Joint account fee: $26 p.a. (per person)
  • Additional card: $12 p.a. (per card)
  • Purchase interest rate: 20.95% p.a.
  • Balance transfers: 0% p.a. for the first six months
  • Cash advance interest rate: 22.95% p.a.

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ASB Visa Platinum Rewards

Features:

  • Choose between earning True Rewards dollars, or Everyday Rewards points through Woolworths and bp service stations
  • Use True Rewards dollars like real dollars at ASB partner stores, transfer to your ASB KiwiSaver, or gift them to charity
  • $1 spend = $0.010 True Reward Dollar
  • Up to 55 days interest free

Fees and charges:

  • $80 annual fee
  • Joint account fee: $55 p.a (per person)
  • Additional card: $30 p.a. (per card)
  • Purchase interest rate: 19.95% p.a.
  • Balance transfers: 0% p.a. for the first six months
  • Cash advance interest rate: 22.95% p.a.

Canstar’s free comparison tool gives you the ability to compare ASB Bank credit card products with those from other lenders in the credit card market. For more details, just click on the button below.

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ASB Credit Cards

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Visa Platinum

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Written by: Caitlin Bingham | Last updated: March 28, 2025