Credit Cards NZ
  • Home
  • Card Types
    • Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Best Credit Cards in NZ
    • Best Credit Card Rewards
    • Business Credit Cards
    • CashBack Credit Cards
    • Free Airport Lounge Access Cards
    • Frequent Flyer Credit Cards
    • Interest Free Credit Cards
    • Low Interest Credit Cards
    • No annual Fee Credit Cards
    • Rewards Credit Cards
    • Travel Credit Cards
    • 0% Balance Transfer Credit Cards
    • Best Credit Card Types
      • Best Airpoints Credit Cards in NZ
      • Best Credit Card for Family Travel
      • Best Credit Card Rewards NZ
    • More Credit Card Types…
      • Air New Zealand Credit Cards
      • Koru Membership Credit Cards
      • Credit card Finder
      • Free Credit Card
      • Flybuys Credit Cards
      • Sign Up Bonus Credit Cards
      • Travel Insurance Credit Cards
      • Instant Approval Credit Cards
      • Mastercard Credit Cards
      • No Foreign Transaction Fee Credit Cards
      • Prestige Credit Cards
      • Priority Pass Credit Cards
      • Store Credit Cards
      • Student Credit Cards
      • Visa Credit Cards
  • Card Providers
    • Air New Zealand Credit Cards
    • Amex Credit Cards
    • ANZ Credit Cards
    • ASB Credit Cards
    • BNZ Credit Cards
    • Farmers Credit Card
    • Flight Centre Credit Card
    • Kiwibank Credit Cards
    • Q Card Credit Cards
    • SBS Bank Credit Cards
    • The Co-operative Bank Credit Cards
    • TSB Credit Cards
    • Westpac Credit Cards
    • More Card Providers
      • Air NZ Credit Cards
      • Countdown Credit Cards
      • HSBC Credit Cards
      • Warehouse Money Credit Cards
      • Qantas Credit Cards
  • About
    • About Us
    • Contact Us
    • Write for us
    • Advertising
  • Articles
    • Wise Travel Card Review
    • Is Airpoints Worth it?
    • Is a Wise Card worth it?
    • Is a Travelex Money Card worth it?
    • What is the best way to take money overseas?
    • More Articles
Credit Cards NZ
  • Home
  • Card Types
    • Airpoints Credit Cards
    • Balance Transfer Credit Cards
    • Best Credit Cards in NZ
    • Best Credit Card Rewards
    • Business Credit Cards
    • CashBack Credit Cards
    • Free Airport Lounge Access Cards
    • Frequent Flyer Credit Cards
    • Interest Free Credit Cards
    • Low Interest Credit Cards
    • No annual Fee Credit Cards
    • Rewards Credit Cards
    • Travel Credit Cards
    • 0% Balance Transfer Credit Cards
    • Best Credit Card Types
      • Best Airpoints Credit Cards in NZ
      • Best Credit Card for Family Travel
      • Best Credit Card Rewards NZ
    • More Credit Card Types…
      • Air New Zealand Credit Cards
      • Koru Membership Credit Cards
      • Credit card Finder
      • Free Credit Card
      • Flybuys Credit Cards
      • Sign Up Bonus Credit Cards
      • Travel Insurance Credit Cards
      • Instant Approval Credit Cards
      • Mastercard Credit Cards
      • No Foreign Transaction Fee Credit Cards
      • Prestige Credit Cards
      • Priority Pass Credit Cards
      • Store Credit Cards
      • Student Credit Cards
      • Visa Credit Cards
  • Card Providers
    • Air New Zealand Credit Cards
    • Amex Credit Cards
    • ANZ Credit Cards
    • ASB Credit Cards
    • BNZ Credit Cards
    • Farmers Credit Card
    • Flight Centre Credit Card
    • Kiwibank Credit Cards
    • Q Card Credit Cards
    • SBS Bank Credit Cards
    • The Co-operative Bank Credit Cards
    • TSB Credit Cards
    • Westpac Credit Cards
    • More Card Providers
      • Air NZ Credit Cards
      • Countdown Credit Cards
      • HSBC Credit Cards
      • Warehouse Money Credit Cards
      • Qantas Credit Cards
  • About
    • About Us
    • Contact Us
    • Write for us
    • Advertising
  • Articles
    • Wise Travel Card Review
    • Is Airpoints Worth it?
    • Is a Wise Card worth it?
    • Is a Travelex Money Card worth it?
    • What is the best way to take money overseas?
    • More Articles

ASB Visa Platinum Rewards Credit Card

ASB Visa Platinum Rewards Credit Card - Black
More Info »
Apply Now »

Gold Award

The ASB Visa Gold Credit Card is a rewards card with complimentary overseas travel insurance for you, your spouse and dependent children when they are travelling with you for up to 120 days overseas return trip. You have the choice of earning True Rewards or Everyday Rewards on your purchases. With True Rewards, you get one True Rewards Dollar for every $100 you spend and terms of value one True Rewards Dollar = 1 New Zealand dollar. With Everyday Rewards you get a $15 voucher with every 2,000 points earned, plus you earn twice the number of everyday rewards points when you also scan your Everyday Rewards card at participating partners.

The ASB Visa Gold Credit Card charges an annual fee of $80, a purchase rate of 19.95% p.a and a balance transfer rate of 0% p.a. for 6 months. We recommend you compare all rewards credit cards on our website to help you make an informed decision before picking a rewards card.

The American Express Airpoints Credit Card
Get 0% p.a. on purchases for the first 6 months with the Amex Airpoints Credit Card, plus NO ANNUAL FEE and you earn 1 Air NZ Airpoints DollarTM for every $100 you spend with the Card. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.
More Info »
*Terms and conditions apply

Rewards Points Cash Equivalent

$100 spend earns you $1.00 cash equivalent^.

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases reward points cannot be redeemed for cash directly. See below to find out how the estimate was calculated.

Points Cash Equivalence Calculation

If 1 True Rewards Dollar equals $1 NZD when redeemed at the ASB True Rewards online store or partner stores and $100 spend earns you 1 True Rewards Dollar. Then $100 spend earns you (100/100) = $1 cash-equivalent when redeemed at the ASB True Rewards online store or partner stores.

Key Features

  • Purchase Rate: 19.95%
  • Cash Advance Rate: 22.95%
  • Balance Transfer: 0% p.a. for 6 months
  • Annual Fee: $80.00
  • Interest Free Days: 55 days
  • Minimum Repayment:
  • Card Reward Details: Earn True Rewards, Travel Insurance
  • Credit Limit: Minimum credit limit of $8,000
  • Other Fees:

IMPORTANT NOTE: please review the credit card details on the provider's website again before applying.

ASB Visa Platinum Rewards Credit Card Review

Pros and Cons

We've compiled below the pros and cons of the ASB Visa Platinum Rewards Credit Card to help you decide.

Pros

  • Complimentary overseas travel insurance
  • Earn True Rewards dollars or Everyday Rewards points
  • earn one True Rewards Dollar for every $100 you spend With an ASB Platinum Rewards or get a $15 voucher with every 2,000 Everyday Rewards points earned

Cons

  • High Annual Fee
  • Travel Insurance only covers overseas travel not domestic like other card
  • Foreign Transaction fees apply
The American Express Airpoints Platinum Card
The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints DollarTM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply.
More Info »
*Terms and conditions apply

What we like about the ASB Visa Platinum Rewards Credit Card

Reward Points System

The ASB Visa Platinum Rewards Credit Card offers a robust reward points system that allows you to earn points on every dollar spent. These points can be redeemed for a variety of rewards, including travel, merchandise, and gift cards. The flexibility of the reward options ensures that there is something for everyone.

Travel and Purchase Protection

One of the standout features of this credit card is the comprehensive travel and purchase protection it offers. You can travel with peace of mind knowing that you are covered for a range of travel-related incidents, such as lost luggage and travel delays. Additionally, purchase protection ensures that your purchases are covered against theft or damage for a specified period.

Exclusive Offers and Discounts

Cardholders of the ASB Visa Platinum Rewards Credit Card enjoy access to exclusive offers and discounts. These can range from dining and entertainment deals to special promotions on travel and shopping. These exclusive perks add significant value to the card, making it a worthwhile choice for those who enjoy taking advantage of special deals.

Balance Transfer option

Although the card includes a balance transfer offer of 0% for 6 months which is good, it is usually not wise to do a balance transfer on to a rewards credit card as rewards credit cards tend to have high interest rates.

What is not so great about the ASB Visa Platinum Rewards Credit Card

Annual Fees

One of the main drawbacks of the ASB Visa Platinum Rewards Credit Card is the annual fee. While the card offers several benefits, the cost of maintaining it can be a burden for some. It's important to weigh the rewards against the fee to determine if it's worth it for you.

Interest Rates

Another downside is the interest rates. If you tend to carry a balance from month to month, the high interest rates can quickly add up, making it an expensive option. Always try to pay off your balance in full to avoid these charges.

Limited Reward Redemption Options

The reward redemption options are somewhat limited compared to other credit cards. While you can earn points on your purchases, the ways to redeem these points might not align with your preferences. Consider if the available options meet your needs before committing to this card.

Is the ASB Visa Platinum Rewards Credit Card Right for me?

Spending Habits

When considering the ASB Visa Platinum Rewards Credit Card, it is essential to evaluate your spending habits. If you frequently use your credit card for everyday purchases, such as groceries, fuel, and dining out, you may find the reward points system beneficial. The more you spend, the more points you accumulate, which can be redeemed for various rewards. Important: you have to pay off your full balance each month to take advantage of rewards credit cards.

Travel Frequency

This credit card is particularly advantageous for those who travel often. With travel insurance and purchase protection, you can enjoy peace of mind during your trips. Additionally, the reward points can be used for travel-related expenses, making it a great option for frequent flyers.

Financial Goals

Your financial goals should also play a significant role in your decision. If you aim to maximise rewards and take advantage of exclusive offers, this card could be a good fit. However, if you are concerned about annual fees and interest rates, you may want to weigh these factors carefully before applying.

How to Apply for the ASB Visa Platinum Rewards Credit Card

Online Application Process

Applying for the ASB Visa Platinum Rewards Credit Card online is straightforward. Begin by clicking "Apply Now" on this page to visit the ASB website. Here, you will find the application form. Fill in the required details, such as your personal information, income, and employment status. Double-check your entries for accuracy before submitting the form. Once submitted, you will receive a confirmation email acknowledging receipt of your application.

In-Branch Application

If you prefer a more personal touch, you can apply for the ASB Visa Platinum Rewards Credit Card at any ASB branch. Visit your nearest branch and speak with a customer service representative. They will guide you through the application process, ensuring you provide all necessary documentation. This method allows you to ask questions and receive immediate assistance.

Approval Timeline

The approval timeline for the ASB Visa Platinum Rewards Credit Card can vary. Typically, online applications are processed faster, often within a few business days. In-branch applications might take a bit longer due to the manual handling of documents. You will be notified of the outcome via email or phone. If approved, your new credit card will be mailed to you, usually within 7-10 business days.

Managing Your ASB Visa Platinum Rewards Credit Card

Online Banking Features

Managing your ASB Visa Platinum Rewards Credit Card is straightforward with ASB's online banking platform. You can easily view your transaction history, check your balance, and make payments. Additionally, you can set up automatic payments to ensure you never miss a due date. The platform also allows you to monitor your reward points and redeem them for various offers.

Mobile App Capabilities

The ASB mobile app offers a convenient way to manage your credit card on the go. With the app, you can quickly check your balance, view recent transactions, and make payments. The app also provides real-time notifications for transactions, helping you keep track of your spending. Moreover, you can use the app to lock your card if it's lost or stolen, adding an extra layer of security.

Customer Support Services

ASB provides excellent customer support services to help you manage your Visa Platinum Rewards Credit Card. You can reach out to their support team via phone, email, or live chat for any queries or issues. The customer support team is available 24/7, ensuring you get assistance whenever you need it. Additionally, ASB offers a comprehensive FAQ section on their website, which can help you find answers to common questions.

Frequently Asked Questions

What are the age and residency requirements for the ASB Visa Platinum Rewards Credit Card?

You need to be at least 18 years old and a New Zealand resident to apply for the ASB Visa Platinum Rewards Credit Card.

How important is my income and credit score?

Your income and credit score are important. ASB will check if you have a steady income and a good credit history.

What documents do I need to apply?

You will need to provide proof of identity, proof of address, and proof of income when you apply.

What benefits does the reward points system offer?

You earn points for every dollar you spend, which you can redeem for flights, gifts, or even cashback.

Are there any travel and purchase protections?

Yes, the card offers travel insurance and purchase protection, which can be very useful if you travel often or buy expensive items.

What should I know about the annual fees and interest rates?

The card has an annual fee and interest rates that you should consider. Make sure to read the terms and conditions to know all the costs involved.

Eligibility Requirements:

Your eligibility for this card would depend on a few criteria listed below. When you apply for a ASB credit card, ASB would ask you a few questions about the following criterias to determine your eligibility.

  • Income
  • Expenses
  • Debts
  • Assets
  • Savings
  • Investments

Documents:

In general the following documents are usually required for credit card applications.

Proof of Income

One of the following:
  • your most recent payslip or salary notice
  • copies of bank statements that show your pay or salary deposits
  • a letter from your employer confirming your income
  • an Inland Revenue Department (IRD) “summary of earnings” notice.

If you’re self-employed, you must supply:

  • signed financial statements for the past two years
  • a signed personal Statement of Financial Position
  • your personal tax return.

Proof of Identity:

A copy of one or two items from List 1. If you provide only one item from List 1, you must also provide one item from List 2.

List 1:
  • Current passport
  • New Zealand drivers licence
  • 18+ card
  • Photo Credit Card
List 2:
  • Most recent bank statement
  • Debit card
  • Credit card
  • Community services card
  • Club or society card.

Are you interested in a balance transfer? Compare ALL balance transfer credit cards on our balance transfer NZ page.

More Info »
Apply Now »


The American Express Airpoints Platinum Card
The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints DollarTM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Get rewarded with 300 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Amex Airpoints Platinum Card within the first 3 months. New Amex Card Members only. T&Cs apply.
More Info »
*Terms and conditions apply

What is the best credit card in New Zealand?

We've been asked this question a lot so we have compiled our pick of the best credit card in NZ but keep in mind that the best credit card for you depends on your personal circumstance and needs. To find the best credit card for you, we recommend that you compare all credit cards in NZ on our website or narrow down your search by popular credit card types as shown below. Use the top menu of the page to select more credit card types.

  • Airpoints credit card
  • Credit cards rewards
  • Frequent flyer credit cards
  • Travel credit cards
  • Interest free credit card
  • Credit card with travel insurance
  • Credit cards with lounge access
  • Lowest interest rate credit card
  • Best credit card rewards

Featured

The American Express Airpoints Credit Card
Get 0% p.a. on purchases for the first 6 months with the Amex Airpoints Credit Card, plus NO ANNUAL FEE and you earn 1 Air NZ Airpoints DollarTM for every $100 you spend with the Card. CURRENT OFFER: 50 bonus Airpoints Dollars™ when you apply, are approved and spend $750 on your new Card within the first 3 months. New Card Members only.
More Info »
*Terms and conditions apply

Card Providers

  • Amex
  • ANZ
  • Westpac
  • Kiwibank
  • ASB
  • BNZ
  • SBS Bank
  • HSBC
  • TSB
  • Countdown
  • Farmers
  • Q Cards
  • Flight Centre
  • Gem
  • Warehouse Money
  • Mastercard
  • Visa

Featured

The American Express Airpoints Platinum Card
The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints DollarTM earning Platinum credit card. Every $70 you spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER:Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.
More Info »
*Terms and conditions apply

Credit Card Types

  • Air NZ credit cards
  • Airpoints credit card
  • Balance transfer credit cards
  • Balance transfer NZ
  • Best credit cards
  • Best credit card rewards
  • Cashback credit cards
  • Credit card balance transfer
  • Credit cards rewards
  • Credit cards with lounge access
  • Credit card with travel insurance
  • Free credit cards
  • Frequent flyer credit cards
  • Interest free credit card NZ
  • Low Interest rate credit cards
  • No-annual fee credit cards
  • Prestige credit cards
  • Rewards credit cards
  • Students credit cards
  • Travel credit card NZ
  • Travel insurance credit cards
  • More card types...

Useful Information

  • About Us
  • Contact Us
  • Advertising
  • News and Articles
  • Terms of use
  • Privacy Policy
  • Credit Cards Compare
  • Sitemap

Recent Posts

  • No Annual Fee Credit Cards in NZ: Are They Worth It?
  • How Credit Card Interest Works in New Zealand: A Simple Guide
  • Pre-Approval vs Instant Approval: What Do NZ Credit Card Terms Really Mean?
  • How to Maximise Airpoints and Travel Perks with NZ Credit Cards
  • How to Compare NZ Credit Cards: What to Look for in 2025
  • Best Airpoints Credit Cards in NZ [2025 Edition]
  • From Screen Time to Side Hustle: Why a kid’s YouTube channel might be Worth more than you think

Popular Pages

  • How to apply for a credit card
  • Interest free credit cards
  • Low rate credit cards
  • Best credit card in NZ
  • Balance transfer credit cards
  • Credit card rewards
  • No-annual fee credit cards
  • Balance transfer NZ
  • Free credit card
  • Kiwibank credit cards
  • ASB credit cards
  • ANZ credit cards
  • Westpac credit cards
  • TSB credit cards
  • BNZ credit cards
  • Mastercard credit cards
  • Visa credit cards
  • The Warehouse credit cards

More information

  • Credit card blog
  • Credit cards
  • Credit card finder
  • Best credit card NZ
  • Apply for credit card
  • Credit cards compare NZ
  • Credit card types
  • Credit card comparison
  • Credit cards NZ
  • Credit card balance transfer
  • Balance transfer
  • NZ credit cards
  • Credit card NZ
  • Credit card online

About Us

Kia Ora! Credit cards compare NZ (also referred to as Credit cards comparison NZ or Credit cards NZ) is an absolutely free credit card comparison website. Each year we help tens of thousands of Kiwis save by finding the best credit card to suit their needs.

Credit cards compare NZ

CreditCardsCompare.co.nz (Credit Cards Compare NZ) is not a credit card provider and does not provide financial advice, we only provide factual and general information on our website to help you find the best credit card to suit your needs. Any financial advice that may be provided on this website is merely passed on from the credit card provider and does not take into account your personal circumstance. If you are unsure, seek independent professional advice before taking out a credit card.Credit Cards Compare NZ includes many but not all credit cards in NZ on our website. We may receive a commission for advertising/promoting certain credit cards and products on our website.
© Copyright 2022 operated by Credit Cards Compare NZ (ABN 14936155671)