ASB Bank Credit Cards

ASB Bank offers Visa Light, Visa Rewards, Visa Platinum, True Rewards and Business credit cards. Every fee, APR and dispute right on this page is sourced verbatim from ASB's official Conditions of Use document — all five cards have full T&C ingest.

Cards

5 active

Annual fee

—

Purchase APR

—

T&C ingested

5/5

Last verified

21 May 2026

📋 Provenance promise

Every fact on this page is sourced from ASB Bank's official Conditions of Use PDFs (SHA-256 hashed, 36-month freshness cap). Green chip A = verbatim from T&C. Blue B = issuer website. Amber C = editorial registry, T&C ingest pending. JSON facts API →

Side-by-side comparison — all ASB Bank cards

Updated May 2026. Source-tier badge next to each value links to the original T&C PDF or issuer rates page. Empty cells mean the figure isn't in the ingested T&C — see the per-card sections below for the verbatim quote.

Card	Annual fee	Purchase APR	Cash advance APR	BT promo APR	BT months	Interest-free days	FX fee	Late fee	Min repayment	Supplementary fee	Replacement fee	Min income
ASB Business Platinum Mastercard Mastercard	—	—	—	—	—	—	—	—	3%	—	—	—
ASB Visa Flex Visa	—	—	—	—	—	—	—	—	3%	—	—	—
ASB True Rewards Mastercard Mastercard	—	—	—	—	—	—	—	—	3%	—	—	—
ASB Low Rate Mastercard Mastercard	—	—	—	—	—	—	—	—	3%	—	—	—
ASB Airpoints Mastercard Mastercard	—	—	—	—	—	—	—	—	3%	—	—	—

Every ASB Bank card — deep dive

Each card with its full fact set; T&C-linked. Tap "View full T&C" to read the verbatim markdown.

ASB Business Platinum Mastercard

Mastercard · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full ASB Business Platinum Mastercard review → View verbatim T&C markdown →

ASB Visa Flex

Visa · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full ASB Visa Flex review → View verbatim T&C markdown →

ASB True Rewards Mastercard

Mastercard · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —
Rewards mechanic (verbatim): True Rewards program referenced; earn rates, partner programs, and point details not specified in this document.

Full ASB True Rewards Mastercard review → View verbatim T&C markdown →

ASB Low Rate Mastercard

Mastercard · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full ASB Low Rate Mastercard review → View verbatim T&C markdown →

ASB Airpoints Mastercard

Mastercard · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

Full ASB Airpoints Mastercard review → View verbatim T&C markdown →

Application requirements — verbatim from ASB Bank

Direct from each card's Conditions of Use. We don't paraphrase eligibility criteria; you read the rule ASB Bank actually applies.

ASB True Rewards Mastercard

Residency: "We must be satisfied with your identity before we open a Card Account for you. The principal cardholder, each joint cardholder, each additional cardholder, each business cardholder and each Beneficial Owner will be required to provide us with proof of their identity and address to open a Card Account."A

ASB Low Rate Mastercard

Residency: "We must be satisfied with your identity before we open a Card Account for you. The principal cardholder, each joint cardholder, each additional cardholder, each business cardholder and each Beneficial Owner will be required to provide us with proof of their identity and address to open a Card Account."A

ASB Airpoints Mastercard

Residency: "We must be satisfied with your identity before we open a Card Account for you. The principal cardholder, each joint cardholder, each additional cardholder, each business cardholder and each Beneficial Owner will be required to provide us with proof of their identity and address to open a Card Account, obtain a Card and at other times."A

Fees + interest, verbatim from each T&C

No paraphrasing — direct quotes from ASB Bank's Conditions of Use documents. Most NZ comparator sites publish summarised figures; we publish the actual clauses.

ASB Business Platinum Mastercard

Interest-free period rulesA

"If you pay the full amount of your statement closing balance by the payment due date, you will not be charged interest on the purchases listed on that statement. You will be charged interest on the portion of the closing balance that is unpaid purchases from two or more statements ago. If you do not pay the full amount of your statement closing balance by the payment due date, you will be charged interest on the daily balance for the statement period."

Cash advance fee scheduleA

{
  "percent": null,
  "fixed_nzd": null,
  "maximum_nzd": null,
  "minimum_nzd": null
}

Cash advance fee carve-outsA

"A Smart Rate Purchase is not available for Cash Advances, transactions equivalent to a Cash Advance, transfers from your Card Account, adjustments, government charges, interest charges, bank fees, charges and balance transfers."

Foreign transaction fee carve-outsA

"Overseas Transactions made using a Mastercard Card at a Commonwealth Bank of Australia ATM will incur an ASB Retail Exchange Margin. All other Overseas Transactions will incur Offshore Service Margins. The Offshore Service Margins and the ASB Retail Exchange Margin are subject to change on 14 days notice."

ASB Visa Flex

Interest-free period rulesA

"If you pay the full amount of your statement closing balance by the payment due date, you will not be charged interest on the purchases listed on that statement. You will be charged interest on the portion of the closing balance that is unpaid purchases from two or more statements ago."

Cash advance fee scheduleA

{
  "percent": null,
  "fixed_nzd": null,
  "maximum_nzd": null,
  "minimum_nzd": null
}

Cash advance fee carve-outsA

"A Smart Rate Purchase is not available for Cash Advances, transactions equivalent to a Cash Advance, transfers from your Card Account, adjustments, government charges, interest charges, bank fees, charges and balance transfers."

Foreign transaction fee carve-outsA

"Overseas Transactions made using a Mastercard card at a Commonwealth Bank of Australia ATM will incur an ASB Retail Exchange Margin. All other Overseas Transactions will incur Offshore Service Margins."

ASB True Rewards Mastercard

Interest-free period rulesA

"If you pay the full amount of your statement closing balance by the payment due date, you will not be charged interest on the purchases listed on that statement. You will be charged interest on the portion of the closing balance that is unpaid purchases from two or more statements ago."

Cash advance fee scheduleA

{
  "percent": null,
  "fixed_nzd": null,
  "maximum_nzd": null,
  "minimum_nzd": null
}

Cash advance fee carve-outsA

"A Smart Rate Purchase is not available for Cash Advances, transactions equivalent to a Cash Advance, transfers from your Card Account, adjustments, government charges, interest charges, bank fees, charges and balance transfers."

Foreign transaction fee carve-outsA

"Overseas Transactions made using a Mastercard card at a Commonwealth Bank of Australia ATM will incur an ASB Retail Exchange Margin. All other Overseas Transactions will incur Offshore Service Margins."

ASB Low Rate Mastercard

Interest-free period rulesA

"If you pay the full amount of your statement closing balance by the payment due date, you will not be charged interest on the purchases listed on that statement. You will be charged interest on the portion of the closing balance that is unpaid purchases from two or more statements ago."

Cash advance fee carve-outsA

"A Smart Rate Purchase is not available for Cash Advances, transactions equivalent to a Cash Advance, transfers from your Card Account, adjustments, government charges, interest charges, bank fees, charges and balance transfers."

Foreign transaction fee carve-outsA

"Overseas Transactions made using a Mastercard card at a Commonwealth Bank of Australia ATM will incur an ASB Retail Exchange Margin. All other Overseas Transactions will incur Offshore Service Margins. The Offshore Service Margins and the ASB Retail Exchange Margin are subject to change on 14 days notice."

ASB Airpoints Mastercard

Interest-free period rulesA

"If you pay the full amount of your statement closing balance by the payment due date, you will not be charged interest on the purchases listed on that statement. You will be charged interest on the portion of the closing balance that is unpaid purchases from two or more statements ago."

Cash advance fee scheduleA

{
  "percent": null,
  "fixed_nzd": null,
  "maximum_nzd": null,
  "minimum_nzd": null
}

Cash advance fee carve-outsA

"A Smart Rate Purchase is not available for Cash Advances, transactions equivalent to a Cash Advance, transfers from your Card Account, adjustments, government charges, interest charges, bank fees, charges and balance transfers."

Foreign transaction fee carve-outsA

"Overseas Transactions made using a Mastercard card at a Commonwealth Bank of Australia ATM will incur an ASB Retail Exchange Margin. All other Overseas Transactions will incur Offshore Service Margins. The Offshore Service Margins and the ASB Retail Exchange Margin are subject to change on 14 days notice."

Rewards mechanics — direct from each T&C

Earn-rate and partner-program rules. Quoted directly from ASB Bank's Conditions of Use — no marketing-page paraphrase.

ASB True Rewards Mastercard

Rewards mechanicA

"True Rewards program referenced; earn rates, partner programs, and point details not specified in this document."

Partner programsA

True Rewards partners

Your dispute + chargeback rights

What happens if a transaction is wrong, your card is stolen, or you can't resolve a dispute with ASB Bank. Verbatim from each card's Conditions of Use — the actual rules, not a summary.

ASB Business Platinum Mastercard

Chargeback window: 30 daysA
External dispute scheme: banking_ombudsmanA
Unauthorised transaction rulesA: "Provided you notify us immediately on becoming aware that a Card is lost, stolen, or in the possession of another person, or that a PIN has been misused, you will have no liability arising from unauthorised use, other than where loss arises from your own contribution, fraud or negligence. If loss arises from unauthorised use which you caused or contributed to, your liability shall be the lesser of the actual loss at the time of notification or the maximum amount you would have been entitled to withdraw between the time the Card was lost or stolen and the time we were notified."
CCCFA responsible-lending summaryA: "We will only provide you with a Card where the information made available to us leads us to believe you will be able to meet the terms of the Card facility. We will only increase your credit limit when the information made available to us leads us to believe that you will be able to meet the terms of the Card facility."

ASB Visa Flex

Chargeback window: 30 daysA
External dispute scheme: banking_ombudsmanA
Unauthorised transaction rulesA: "Provided you notify us immediately on becoming aware of any of the events listed, you will have no liability to us arising from any unauthorised use of a Card, recording, or disclosure of a PIN, other than as provided for in Conditions 10.2 and 10.3. If any loss arises from the unauthorised use of a Card which you caused or contributed to, your liability shall be the lesser of the actual loss at the time when we were notified and the maximum amount that you would have been entitled to withdraw from the Card Account between the time the Card was lost or stolen and the time we were notified. You are liable to us for all losses arising from the unauthorised use of a Card or PIN which results from your fraud or negligence."
CCCFA responsible-lending summaryA: "We will only provide you with a Card where the information made available to us leads us to believe you will be able to meet the terms of the Card facility. We will only increase your credit limit when the information made available to us leads us to believe that you will be able to meet the terms of the Card facility."

ASB True Rewards Mastercard

Chargeback window: 30 daysA
External dispute scheme: banking_ombudsmanA
Unauthorised transaction rulesA: "Provided you notify us immediately on becoming aware your Card is lost or stolen, you will have no liability arising from unauthorised use other than where you caused or contributed to the loss. If loss arises from unauthorised use which you caused or contributed to, your liability shall be the lesser of the actual loss at the time of notification and the maximum amount you would have been entitled to withdraw between the time the Card was lost or stolen and the time we were notified."
CCCFA responsible-lending summaryA: "We will only provide you with a Card where the information made available to us leads us to believe you will be able to meet the terms of the Card facility. We will only increase your credit limit when the information made available to us leads us to believe that you will be able to meet the terms of the Card facility."

ASB Low Rate Mastercard

Chargeback window: 30 daysA
External dispute scheme: banking_ombudsmanA
Unauthorised transaction rulesA: "Provided you notify us immediately on becoming aware that a Card is lost, stolen, in possession of another person, or that your PIN may have been compromised, you will have no liability for unauthorised use other than where loss arises from your own contribution or fraud/negligence. If any loss arises from unauthorised use which you caused or contributed to, your liability shall be the lesser of the actual loss at the time of notification and the maximum amount you would have been entitled to withdraw between the time the Card was lost/stolen and notification."
CCCFA responsible-lending summaryA: "We will only provide you with a Card where the information made available to us leads us to believe you will be able to meet the terms of the Card facility. We will only increase your credit limit when the information made available to us leads us to believe that you will be able to meet the terms of the Card facility."

ASB Airpoints Mastercard

Chargeback window: 30 daysA
External dispute scheme: banking_ombudsmanA
Unauthorised transaction rulesA: "Provided you notify us immediately on becoming aware that a Card is lost or stolen, your Card is in the possession of another person, or your Card or PIN is misused, you will have no liability arising from any unauthorised use of a Card, recording, or disclosure of a PIN, other than as provided for in Conditions 10.2 and 10.3. If any loss arises from the unauthorised use of a Card which you caused or contributed to, your liability shall be the lesser of the actual loss at the time when we were notified and the maximum amount that you would have been entitled to withdraw from the Card Account between the time the Card was lost or stolen and the time we were notified."
CCCFA responsible-lending summaryA: "We will only provide you with a Card where the information made available to us leads us to believe you will be able to meet the terms of the Card facility. We will only increase your credit limit when the information made available to us leads us to believe that you will be able to meet the terms of the Card facility."

If ASB Bank can't resolve your dispute: contact the external dispute scheme listed on your card (typically the Banking Ombudsman Scheme) — free for consumers. CCCFA breaches can be reported to the Commerce Commission. Free budgeting help: FinCap 0800 345 123.

Frequently Asked Questions

: Each ASB Bank card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with ASB Bank directly, every ASB Bank card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to ASB Bank's own T&C document.
: Every card fact on this page is sourced from ASB Bank's official Conditions of Use PDFs. The most recent ingestion was on 21 May 2026. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.
: Every figure on this page is traceable to ASB Bank's publicly published Conditions of Use document. We download the PDF, hash it with SHA-256, extract the markdown content, and run a structured-data extractor (49-field schema) to capture annual fees, interest rates, fee schedules, dispute rights, and eligibility criteria. The source URL for each fact is reachable via the small green chip next to each value. 5 of 5 ASB Bank cards currently have their T&C ingested.
: 1 of ASB Bank's credit cards run a rewards mechanic. We publish each card's earn-rate summary verbatim in the "Rewards mechanics" section below — direct quotes from ASB Bank's T&C so you can read the actual rules rather than a paraphrased summary.
: No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.
: The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every ASB Bank T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).
: See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific ASB Bank cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

How we keep this page current

Source: ASB Bank's official Conditions of Use PDFs (downloaded with browser user agent — NZ bank CDNs reject bot UAs).
Hash: Every ingested PDF gets a SHA-256 hash so we can detect document-level changes between versions.
Extract: Haiku 4.5 produces verbatim markdown; Sonnet 4.6 extracts a 49-field structured fact set against a Zod schema.
Freshness cap: 36 months on source-document date — any fact older than that is automatically excluded from the page.
Provenance: Every cell on this page links to the source PDF (or issuer page) for that specific fact.
Open data: See /api/issuer/asb/facts.json for the structured fact dump, or /api/card/asb-business-platinum/wording.md for a verbatim T&C example.

Compliance + scope

This page publishes facts, not advice. We don't claim any card is "best" without disclosed methodology, and we don't carry CCCFA-prohibited marketing language ("guaranteed approval", "lowest rate", "no credit check", "anyone can qualify"). For one-on-one advice, see a licensed Financial Advice Provider — we are not a FAP.

Rewards program names are trademarks of their respective owners (Airpoints® Air New Zealand, True Rewards® ANZ, Hotpoints® Westpac, Fly Buys® Loyalty New Zealand).

Visit ASB Bank's credit card page →