Rating based on 675 reviews


ASB Bank

About ASB Bank

ASB is the lender of choice for over 1.3 million New Zealanders and strives to consistently grow its customer base.

To do this we place a great amount of dedication in developing our services and products through the use of technology and innovation.

An award-winning lender

ASB has claimed multiple rewards over the years including our most recent, the Gold Lion and several gold and silver awards for our Clever Kash product which is a one-of-a-kind digital moneybox designed to link to your everyday account.

We offer a range of business and personal loans that help our customers and communities grow

ASB offers Kiwis a variety of products and services including current accounts, credit cards, personal cash loans, mortgages and business finance.

When it comes to competitive products ASB stands out and offers customers some of the lowest rates on the market - with a smile!

Innovative technology at its best

When you join ASB you'll certainly be spoilt for choice and have instant access to some of the most technologically advanced internet and mobile banking platforms which let your do more in less time. If it's a credit card that you're looking for than ASB won't disappoint with our wide range of available products.


Interest Rate

0 % Per annum

Loan Amount

Repayment Term



In a Nutshell

  •  Available cards
    • Visa Low Rate
    • Visa
    • Visa Rewards
    • Visa Gold Rewards
    • Visa Platinum Rewards
    • Visa Business
    • Visa Business Rewards
  •  Rewards
    • True Reward Dollars
  •  Interest ranges From 13.50% to 20.95% on purchases, 22.95% on cash advances
  •  Interest-free purchase periods 55 days
  •  Interest-free balance transfer periods 6 month interest free transfers
  •  Overdraft maximum $500 to $8,000
  •  Annual fee ranges $12 to $50 every 6 months
  •  Average processing time 2 weeks
  •  Online application
  •  In-store application


We offer a range of business and personal loans that help our customers and communities grow.

Whether you're looking to gain rewards for the purchases you're already making on a regular basis or to find a card that offers the lowest interest and longest 0% interest-free time period - ASB has it all.

Before applying for a credit card you can visit our website and perform an advanced credit card comparison so you can determine which credit card would be ideal for your needs.

Apply online - TODAY!

If you want to apply for a credit card you can do so 100% online or, alternatively come visit us in-branch. Applying online gives you the ability to save time and gain a clear overview of all of our available credit card products before you do so.

What are the implications of not paying?

We know that certain problems may arise that may make it difficult for you to pay but a constant late payment will not give you a good credit picture. The client may also be denied further credit in the future.

What is the best method of payment?

In order to make things convenient for both parties involved, payment should be in a debit order system. This way, everything will be systematic and automated and there won’t be any reason to remind the client of their payment is due. The customer should ensure there is sufficient money on the day of the debit order.


Eligibility & Requirements


Other Products & Services

  • Accounts and cards
  • Loans and mortgages
  • KiwiwSaver and investments
  • Insurance
  • International and Foreign Exchange
  • Business and rural

Customer Reviews & Testimonials


Here’s a short video about ASB Bank


Contact Details

  •  0800 803 804
 Visit Website

Address

 Physical Address

  • ASB North Wharf, 12 Jellicoe Street, Auckland, Auckland, 1010, New Zealand

 Postal Address

  • PO Box 35, Shortland Street, Auckland, 1140, New Zealand

Opening Hours

  •  Monday 09:00 – 16:30
  •  Tuesday 09:00 – 16:30
  •  Wednesday 09:00 – 16:30
  •  Thursday 09:00 – 19:00
  •  Friday 09:00 – 16:30
  •  Saturday 09:00 – 16:30
  •  Sunday 10:00 – 16:00