ASB Visa Flex is ideal for people looking for a straightforward credit card with low ongoing costs. For anyone wanting to build a healthy credit history, it’s a practical first credit card.
ASB Visa Flex: best credit card for first-time cardholders
If you’re looking for a credit card for beginners, ASB Visa Flex combines affordability with responsible borrowing features. With a credit limit ranging from NZ$500 to NZ$4,000, it’s designed to help customers manage everyday expenses.
Another standout feature is its suitability for overseas spending. With no Offshore Service Margin on foreign currency transactions, this travel credit card helps reduce the cost of shopping online internationally or using your card while travelling.
Should I get a credit card from ASB?
ASB is one of New Zealand’s most established banks. Cardholders also benefit from features such as ASB Card Control, Card Tracker, Apple Pay, Google Pay, Fitbit Pay, Garmin Pay and Visa Zero Liability, making it a trusted Visa credit card provider.
If you’re wondering “should I get a credit card”, ASB Visa Flex is best suited to people who value low fees, low interest rates and practical money management tools instead of premium rewards. It is particularly attractive for first-time cardholders.
How to get a credit card from ASB?
To apply for an ASB Visa Flex, you’ll need to:
- Be 18 years of age or older.
- Have a regular annual income of at least NZ$30,000.
- Open an ASB bank account if you are not already an ASB customer.
- Meet ASB’s credit card eligibility requirements.
- Provide your employer and income details.
- Provide an overview of your living expenses.
- Declare any existing debts, savings and investments.
- Complete identity verification.
Apply for credit card
- Join ASB if you’re not already a customer.
- Log in to the ASB Mobile Banking app or FastNet Classic.
- Select ASB Visa Flex.
- Complete the online credit card application.
- Provide your financial and identification details.
- Submit your application.
- Wait while ASB assesses your application.
- If approved, your card will be posted to your address within approximately 5 to 7 working days.
- Activate your card and add it to your preferred digital wallet.
FAQ
How does ASB Visa Flex interest work?
ASB Visa Flex charges 9.95% p.a. on both purchases and cash advances. Eligible purchases receive up to 55 interest-free days provided you pay your full statement balance by the due date each month.
If you don’t pay the full balance, interest is calculated on the outstanding daily balance and appears on your next statement.
How can I increase my ASB Visa Flex limit?
You can request a credit limit review by contacting ASB. Any increase is subject to a lending assessment based on your income, repayment history and overall financial circumstances. Approval is not guaranteed.
How do I pay off my ASB Visa Flex?
You can repay your balance through ASB’s available banking services, including direct debit and online banking. Paying the full statement balance every month helps you maximise your credit card interest-free period and avoid paying purchase interest.
How do I cancel a credit card from ASB?
After paying any outstanding balance, contact ASB to request account closure. Once the bank confirms that your account has been closed, securely destroy the physical card and remove it from any digital wallets linked to your account.