SBS Visa Credit Card NZ, Kiwi-friendly Low Interest No Annual Fee, Earn Points and Up to 55 Days Interest-Free
SBS Visa Credit Card NZ delivers low interest and no annual fee, lets you earn points and gives up to 55 days interest-free to help Kiwis keep day-to-day spending in check
Practical overview for Kiwis
The SBS Visa Credit Card is a solid everyday card for New Zealanders who want low interest and no annual fee. It combines sensible rates with rewards, making it easy for Kiwis to manage spending without sneaky yearly charges.
With a purchase rate around 19.65% and up to 55 days interest-free on purchases, the SBS Visa Credit Card suits people who pay on time and want a straightforward, low cost credit option in NZ. It’s a card built for everyday use, from groceries to online buys.
Rewards and benefits that matter
This card lets you earn points as you spend, with a rewards structure that credits $1 for every $150 spent on eligible transactions, helping you save on future purchases. The rewards program is simple and tailored for Kiwi spending habits.
Other benefits include international use with competitive foreign exchange handling and advanced fraud monitoring, so travellers and online shoppers in New Zealand can use the SBS Visa Credit Card with confidence. The combination of earn points and safety is a practical win for many users.
Eligibility and required documents
To apply for the SBS Visa Credit Card in New Zealand you’ll need to prove income, identity and address. Typical documents include recent payslips, bank statements showing salary deposits, a current passport or driver’s licence, and a recent bank statement for proof of residence.
Self-employed applicants should prepare signed financial statements and tax returns for the past two years. SBS Bank assesses income, expenses, debts and assets to confirm suitability, so having paperwork ready makes approval smoother for Kiwis applying from across NZ.
How to apply and smart usage tips
Applying is straightforward: check eligibility on the SBS Bank site, gather documents, complete the online form and submit. Expect a review process where the bank may contact you for extra details, but overall it’s designed to be quick for New Zealand customers.
Use the SBS Visa Credit Card wisely to get the most value: pay the statement in full to enjoy up to 55 days interest-free, take advantage of earn points on everyday spends, and avoid cash advances to keep costs down. These simple habits help Kiwis keep credit manageable and make the most of the low interest, no annual fee proposition.