ASB Credit Cards
New Zealand's community-focused bank offers straightforward credit cards with True Rewards. Compare cashback, low-rate, and premium options from ASB.
All ASB Credit Cards
ASB True Rewards Platinum
- ✓ Unlimited cashback earning
- ✓ Travel insurance included
- ✓ Extended warranty protection
- ✓ Purchase protection
- ✓ No foreign exchange fees
ASB True Rewards Gold
- ✓ True Rewards cashback program
- ✓ Travel insurance coverage
- ✓ Purchase protection
- ✓ 55 days interest-free
- ✓ Online account management
ASB Visa Gold
- ✓ Travel insurance included
- ✓ Extended warranty protection
- ✓ Purchase protection
- ✓ Concierge services
- ✓ Emergency card replacement
ASB Visa Classic
- ✓ No annual fee
- ✓ 55 days interest-free
- ✓ Basic fraud protection
- ✓ Online banking access
- ✓ Low income requirements
ASB Business Rewards
- ✓ Business expense categorization
- ✓ Employee card management
- ✓ Quarterly spending reports
- ✓ True Rewards for business
- ✓ Travel insurance coverage
ASB Low Rate Visa
- ✓ Competitive interest rate
- ✓ Balance transfer options
- ✓ 55 days interest-free
- ✓ No rewards complexity
- ✓ Affordable annual fee
ASB True Rewards Program
Earn cashback on your everyday spending with one of New Zealand's most straightforward rewards programs.
Earn Points
1 True Rewards point for every $1 spent on eligible purchases
Redeem for Cash
Convert points to cashback credited directly to your account
Shop Rewards
Exchange points for vouchers at major NZ retailers
No Limits
No cap on earning rewards and points don't expire
How True Rewards Works
Spend
Use your ASB True Rewards card for everyday purchases
Earn
Automatically earn points with no caps or restrictions
Redeem
Choose from cashback or retailer vouchers through online banking
Why Choose ASB Credit Cards?
Kiwi-Owned Bank
New Zealand owned and operated with community focus
Simple Rewards
Straightforward True Rewards program with no complexity
Digital Banking
Award-winning mobile app and online banking platform
Personal Service
Dedicated support and relationship banking approach
ASB Credit Card Comparison
| Card | Annual Fee | Interest Rate | Rewards Rate | Best For |
|---|---|---|---|---|
| True Rewards Platinum | $80 | 20.95% | 1% | High spenders |
| True Rewards Gold | $55 | 20.95% | 0.75% | Moderate spenders |
| Visa Gold | $40 | 20.95% | None | Premium benefits |
| Visa Classic | $0 | 20.95% | None | First-time users |
| Low Rate | $35 | 14.95% | None | Balance carriers |
| Business Rewards | $120 | 20.95% | 1 point/$1 | Business owners |
Frequently Asked Questions
ASB offers several credit cards including ASB True Rewards Platinum, ASB Visa Classic, ASB Visa Gold, ASB True Rewards Gold, and ASB Business credit cards. Each card caters to different needs from basic banking to premium rewards and business expenses.
ASB True Rewards earns you 1 point for every dollar spent on eligible purchases. Points can be redeemed for cashback (credited to your account), retail vouchers, or merchandise. There's no cap on earning, and points don't expire while your account remains active.
ASB typically requires applicants to be 18+ years old, NZ residents or citizens, have regular income (usually $20,000+ for basic cards, $40,000+ for premium cards), existing ASB relationship preferred, and good credit history. Some cards have specific income thresholds.
Yes, ASB credit cards offer balance transfer options with promotional rates. Terms vary by card and current promotions, typically offering reduced rates for 6-12 months. Balance transfer fees may apply, and you'll need sufficient credit limit to accommodate the transfer.
Yes, ASB's mobile banking app and FastNet Classic online banking allow comprehensive credit card management. You can view transactions, make payments, set up automatic payments, temporarily lock your card, view rewards balances, and receive real-time transaction notifications.
Ready to Apply for an ASB Credit Card?
Simple rewards, competitive rates, and Kiwi banking at its best