Benefits at a glance
Zero fees - that includes no account fee or foreign currency conversion charges (Offshore Service Margin).
Enjoy up to 55 days interest free on purchases then get our lowest credit card interest rate of 9.95% p.a.
Allows some flex with your money with a credit limit of between $500 - $4,000.
Is a credit card right for me?
An ASB Visa Flex credit card gives you access to ongoing credit when you need it. It might be a good fit if you:
How to apply
1. Join ASB
First you'll need to open an ASB bank account online and verify your identity. If you're an existing ASB customer, you can skip this step.
2. Get your info ready
You'll need your employer and income details, an overview of living expenses (like rent and food costs), detail on any debt (like student loans) and any savings or investments (like KiwiSaver).
3. Apply
Apply for the ASB Visa Flex credit card online though the ASB Mobile Banking app or FastNet Classic internet banking. Allow 20-30 minutes to complete the application.
4. Get a decision
We'll review your application and be in touch with next steps. Take a look at what we consider when assessing applications.
Tips for managing credit
- Avoid withdrawing cash or transferring money from your credit card as you'll pay interest on this from the day you get the cash out.
- Use ASB Card Control to set-up a transaction limit, turn off ATM withdrawals or lock your card if you lose it.
- Keep an eye on your spending with Spend Tracker. It automatically puts your transactions into categories like shopping or entertainment.
- Set-up an alert for when your credit card statement payment is due.
How does the 55-day interest free period work?
You can get up to 55-days interest-free from the start of your statement period. How does this work? All you need to do is make sure you pay the full balance (total amount due) on your credit card statement by the due date. If you're not able to, interest will be calculated on the daily balance and charged on your next statement. This means you'll be adding more to your balance on top of the amount you already owe. Nobody wants that! So, avoid interest by paying your full balance every month.
Here's an example:
Credit card features
Take advantage of some of these great features available with ASB credit cards.
Pay your way
Make contactless payments on the go, with Apple Pay, Google Pay, Fitbit Pay or Garmin Pay.
Card Control
Manage your ASB Visa cards anywhere, anytime with extra security and control.
Bank on the go
Keep track of your transactions and manage your credit card online with FastNet Classic internet banking and the ASB Mobile app.
Card Tracker
Track your ASB Visa card subscriptions in one place and see the shops and services where your card details may have been stored.
Rates and fees
Purchase interest rate
Cash advance interest rate
Individual account fee
Joint account fee (per person)
Additional card fee
Offshore service margin (foreign currency conversion)
Late payment fee
- Interest rates are subject to change. The purchase rate will be charged on Dishonoured Payments.
- Fees subject to change.
- You must make a minimum payment by the due date every month as shown on your monthly statement.
More options for you
ASB Visa Light
No account fee, a low purchase interest rate and access to interest savings on large purchases of $1,000 or more.
ASB Visa Platinum Rewards
Earn rewards faster and get access to cover for your next overseas trip.
Apply for an ASB Visa Flex credit card
Visit a branch or call
Visit us at one of our many branches, or call us on 0800 100 600.
Questions you may have
How can I get a credit card?
How does credit card interest work?
How long does it take to get a credit card?
How much does it cost to have a credit card?
How old do I have to be to get a credit card?
How can I add a credit card to my phone?
How do I apply for a credit card?
What is the CVC code on my credit card?
What is the best credit card for me?
What is an Offshore Service Margin?
What is a credit history?
How can I avoid surcharges on my credit card?
ASB's lending criteria, terms and Credit Card Conditions of Use apply.
Android and Google Pay are trademarks of Google LLC. For more information please visit the Google Pay support page. Please refer to ASB Google Pay Terms and Conditions.
Please see ASB Apple Pay terms.
Interest rate on purchases and cash advances of 9.95% p.a. apply. Interest rates may change. Refer to https://www.asb.co.nz/credit-cards/interest-rates-fees.html for more info.