ASB Visa Platinum Rewards Credit Card NZ, earn True Rewards, 0% balance transfer and solid travel cover for Kiwis

Why Kiwis choose the ASB Visa Platinum Rewards Credit Card

The ASB Visa Platinum Rewards Credit Card is a solid pick for Kiwis who want everyday spending to work harder. It combines a competitive purchase rate, a straightforward rewards program and travel cover built for New Zealand travellers, so you get value whether you’re shopping at the supermarket or booking a flight to the islands.

With clear terms and an annual fee of NZ$80, the card suits people who want reliable perks without fuss. The ASB True Rewards Dollars you earn on everyday purchases make the card worth keeping in your wallet if you redeem them regularly.

Rewards, rates and real costs

You earn 1 True Rewards Dollar for every NZ$100 spent on the ASB Visa Platinum Rewards Credit Card, which stacks up over time if you use the card for bills and groceries. Interest-free days of up to 55 days help manage cashflow when you pay your statement on time, and rewards can be redeemed across a wide catalogue of experiences and products.

Key numbers to remember: purchase rate 19.95% p.a., cash advance 22.95% p.a., and a balance transfer offer of 0% p.a. for six months. The card typically has a minimum credit limit around NZ$8,000, so it’s aimed at those with established credit and steady income.

Travel cover and balance transfer advantages

The travel insurance bundled with the ASB Visa Platinum Rewards Credit Card is tailored for Kiwi families — it covers the cardholder, partner and dependent children for trips up to 120 days per overseas return trip. That can save you from buying separate travel policies for short holidays or business trips and gives extra peace of mind when heading offshore.

If you’re carrying high-interest debt elsewhere, the 0% balance transfer period for six months is one of the standout features. Use that window to pay down principal faster, but be mindful of what the rate reverts to after the offer ends and any fees that apply at sign-up.

How to apply and eligibility for New Zealanders

Applying for the ASB Visa Platinum Rewards Credit Card is straightforward via the ASB website or at a local ASB branch. You’ll need proof of regular income, recent payslips or bank statements, and photo ID such as a New Zealand passport or driver licence. Self-employed applicants should have tax returns and financial statements ready.

Before you apply, check your budget and compare alternatives. The card works best for Kiwis who can carry a modest monthly balance, use interest-free days, and make the most of True Rewards Dollars. If that sounds like you, it’s worth starting an application or comparing it against other NZ reward cards.