Rating based on 46 reviews

ASB Bank

  • Low interest rate
  • No account fee
  • Rewards credit cards

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Author ASB Bank. Screenshot of ASB Bank website.
[Accessed April 17, 2018]

ASB Bank - Quality banking products

It is very difficult to find a credit card that can do exactly what you want it to do. Normally, you will find that most banks don’t consider the different financial circumstances that households have.

There are people who can afford the charges of a credit card and there are families who barely don’t have money to survive and can’t afford to have an additional debt to their name.

We understand our client's financial needs

ASB Bank understands that the needs of clients won’t be the same, but that shouldn’t stop ordinary people from living a good and financially free life. Our credit cards have been designed to satisfy every customer, regardless of the amount of money they get in their bank account. We are not directing our services to one financial group, we help everyone from the highest paid employee in a company to the lowest earning staff worker.

A different credit card for a different you

Judging from the amount you make per annum and the lifestyle that you live, you will be allocated a credit card that fits these specifications. We will never give you a credit card that is more than your budget.

Furthermore, we also don’t want you to pressurize yourself with putting yourself in a difficult financial position. At the end of the day, we want you to be able to breathe. In essence, you should be able to pay your debts without feeling that your credit card charges are taking too much on your monthly budget and frequent expenditure.

ASB Bank Services

Although we can’t stop you or take final decisions on your behalf, we can always advise you on what we think is best for you to do. Nevertheless, if you feel that you will be capable of paying two credit cards at the same time, we will not stand in your way.

However, we must mention that it is usually too much financial pressure for the customer and that is why we usually recommend that the client should only have one but we will support either decision you make. We just don’t want you to have too many expenses to take care of especially when you can be able to survive with one credit card.

Adhering to the terms and conditions

It is very important to follow the rules of a written agreement. It is for this reason why we request the client to carefully read the terms and conditions of your credit card. We have realized that customers have a tendency of just signing the contract without reading it and going into further detail.

This poses a problem when an issue arises and the customer isn’t aware of the rules and regulations that were stipulated in the contract, however, it was a requirement that they read and understand it.

Therefore, we urge our clients to only sign after they have understood all their responsibilities and what is expected of them going forward. This way, we will know for certain that they read and understand the credit compliance.

ASB Bank – Credit card

  • Loan Type Credit cards

Benefits of ASB Bank

  • Fixed interest rate for 6 months
  • No account fees
  • Earn rewards

ASB Bank - Credit Cards to fit your lifestyle

What if I can’t make the monthly credit card payments on time?

Should you meet unforeseen circumstances that make it difficult to pay your monthly payments in due course, you have to inform us right away. The sooner you notify us, the better it will be for all of us. Don’t wait until it is too late to inform us because we will not be able to help you out.

The longer it takes you to pay us, the more dented your credit profile will be. Therefore, it is better to not sign up for a credit card if you are not too certain if you will have the money to pay for it. It is always a good idea to protect your credit profile, especially since you might never know when you will need a credit advance in the future.

Managing your credit profile

People that come with a lot of financial baggage tend to be a problem when it comes to credit providers. It is a common idea that if they weren’t able to fulfil their low-risk debts including their short-term loans, they will also fail on the long-term ones. However, some people change and start doing things by the book and by company policies and procedures.

Be that as it may, there will be charges that they will have to pay depending on the severity of the situation. If your loan payments are too high, it takes a bit longer and you will also have to consider the possibility of changing your ANZ Bank credit payers.

When you have disagreements about the card

If you are not happy with how we treated your online credit application, you can report it to my supervisor. We look into your appeal and reassess your request. After this, a consensus will be reached as to whether or not an exemption can be granted.

However, we must emphasize the fact that if you don’t meet our requirements and you want one of our credit options, you will be given the cold shoulder because you don’t qualify. There is no system that can bypass a client failing to meet the required criteria.

Customer Reviews & Testimonials

Applying for a credit card cannot be any easier through the online app and that is why I will recommend getting a card with them they understand that not everyone has the time every day to apply ...

Howard B
— Auckland —

The service is great and they are very nice at the branch when I had a problem with my card they helped me out right away, Could not get better service anywhere.

Andrew D
— Wellington —

They are the reason I have a credit card after they told me all the benefits in having my card like the cashback benefits I couldn’t say no.

Nikki S
— Auckland —

ASB Bank Contact

Contact Number


  • not available


Physical Address

  • 174-180 Lambton Quay Wellington Wellington Region 6011 New Zealand
  • Get Directions

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 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed