How do I dispute an unauthorised transaction on my TSB card?

Each TSB 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 TSB directly, every TSB card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to TSB's own T&C document.

How current is the information on this page?

Every card fact on this page is sourced from TSB'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.

Where does this information come from?

Every figure on this page is traceable to TSB'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. 1 of 1 TSB cards currently have their T&C ingested.

What rewards programs does TSB offer on credit cards?

1 of TSB'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 TSB's T&C so you can read the actual rules rather than a paraphrased summary.

Is "best TSB credit card" advice on this page?

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.

What rights does the Credit Contracts and Consumer Finance Act (CCCFA) give me?

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 TSB 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).

How does TSB compare with other NZ credit-card issuers?

See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific TSB 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.

TSB Credit Cards

TSB Bank — Taranaki-headquartered, customer-owned, with a single Platinum Mastercard credit-card product. Every fee, interest rate and dispute right sourced verbatim from TSB's Conditions of Use document — T&C fully ingested.

Cards

1 active

Annual fee

—

Purchase APR

—

T&C ingested

1/1

Last verified

21 May 2026

📋 Provenance promise

Every fact on this page is sourced from TSB'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 TSB cards

Updated June 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
TSB Platinum Mastercard Mastercard	—	—	—	—	—	—	—	—	3%	—	—	—

Every TSB card — deep dive

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

TSB Platinum Mastercard

Mastercard · active

T&C ingested

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —
Rewards mechanic (verbatim): TSB Platinum Mastercard earns cashback rewards on eligible purchases; rewards are credited monthly to the card account on the first working day of the next statement period.

Full TSB Platinum Mastercard review → View verbatim T&C markdown →

Application requirements — verbatim from TSB

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

Fees + interest, verbatim from each T&C

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

TSB Platinum Mastercard

Interest-free period rulesA

"To avoid paying interest on purchases, you need to pay the full 'closing balance' set out in your statement each month by the due date for the minimum payment. If you do not pay the 'closing balance' of the statement showing a purchase being made by the due date for the minimum payment set out on that statement, we will charge interest on that purchase."

Cash advance fee carve-outsA

"You cannot withdraw cash over the counter at a TSB branch using your card. You can withdraw a maximum of NZ$2,000 cash from an ATM per day."

Foreign transaction fee carve-outsA

"We will not charge a currency conversion fee on credits or overseas refunds processed through the Mastercard network. If your card is refunded, we will also refund any currency conversion fee we charged on the original transaction."

Rewards mechanics — direct from each T&C

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

TSB Platinum Mastercard

Rewards mechanicA

"TSB Platinum Mastercard earns cashback rewards on eligible purchases; rewards are credited monthly to the card account on the first working day of the next statement period."

Earn rate summaryA

"Your card account will earn cashback rewards each time a card issued on your card account is used to make an eligible purchase. We set the rates at which transactions earn cashback rewards. We publish these rates on our website at www.tsb.co.nz/platinum. We can change the rates at which transactions earn cashback rewards without telling you."

Partner programsA

Point expiry rulesA

"You may lose cashback rewards that have not yet been credited to your card account if you close your TSB Platinum Mastercard card account, or if your TSB Platinum Mastercard card account changes to another type of credit card we offer."

Your dispute + chargeback rights

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

TSB Platinum Mastercard

Chargeback window: 60 daysA
External dispute scheme: otherA
Unauthorised transaction rulesA: "You will not be liable for any loss we suffer due to fraud or negligence by our employees, agents or parties that provide electronic banking services, faults in machines, cards or systems (unless obvious or advised), unauthorised transactions occurring before you receive your card, or any other unauthorised transaction where you took reasonable care to protect your card and PIN. Where you did not take reasonable care, you are liable for the lesser of the actual loss when you told us or the maximum amount you could have withdrawn between the time the card was lost/stolen and the time you told us."
CCCFA responsible-lending summaryA: "If you ask us to increase your credit limit, you need to meet our lending criteria and give us any information we ask for. We can choose whether to increase your credit limit. We can decide to reduce or cancel your credit limit at any time without you asking us to if we do not think you can afford your credit limit."

If TSB 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 TSB 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 TSB directly, every TSB card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to TSB's own T&C document.
: Every card fact on this page is sourced from TSB'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 TSB'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. 1 of 1 TSB cards currently have their T&C ingested.
: 1 of TSB'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 TSB'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 TSB 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 TSB 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: TSB'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/tsb/facts.json for the structured fact dump, or /api/card/tsb-platinum-mastercard/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 TSB's credit card page →