ASB Visa Light Credit Card NZ Save with no annual fee and six months 0% p.a. on purchases and balance transfers for Kiwis
ASB Visa Light delivers six months at 0% p.a., no annual fee and Smart Rate savings, ideal for budget‑savvy Kiwis across New Zealand
Overview for Kiwis
The ASB Visa Light credit card is built for budget-conscious New Zealanders who want straightforward savings without fuss. With no annual fee and sensible ongoing rates, it’s a practical option for everyday spending in NZ.
Designed for Kiwis across Aotearoa, the ASB Visa Light card balances low cost with useful features like mobile wallet compatibility, clear fees and a Smart Rate that can help you manage larger purchases.
Key features and Smart Rate
The headline benefit is six months at 0% p.a. on purchases over $1,000 through ASB’s Smart Rate, giving you breathing room to pay off big buys without interest. That Smart Rate is ideal for household appliances, travel bookings or other one-off costs.
Alongside the 0% p.a. offer, the card has a low ongoing purchase rate (13.50% p.a.), no annual fee and works with Apple Pay, Google Pay and other tap-and-go options common in New Zealand. These features make the ASB Visa Light credit card a low-cost, practical choice for everyday Kiwi spending.
Balance transfers and debt savings
ASB Visa Light also offers 0% p.a. on balance transfers for six months, which can be a fast way to reduce interest on existing credit card debt. If you transfer balances from a higher-rate card, that period at 0% p.a. could shave months off your interest costs.
To get the most from a balance transfer, plan to clear the transferred balance during the 0% term and avoid piling on new purchases that attract the standard rate. Payments are allocated to higher-rate balances first, so managing spending is key to maximising savings with this credit card.
Eligibility, fees and final verdict
To apply for the ASB Visa Light credit card you generally need to be 18 or older and a New Zealand resident or hold a valid NZ work visa, with a acceptable credit history. The application is straightforward online or at an ASB branch if you prefer face-to-face help.
Overall, ASB Visa Light is a strong pick for Kiwis who want no annual fee, short-term 0% p.a. on purchases and balance transfers, and a clear ongoing rate. It’s not for reward-seekers, but for anyone aiming to save on fees and interest, this credit card is worth considering. Check the full terms on ASB’s site and compare other NZ offers before applying.
