Make the ASB Visa Platinum Rewards Credit Card work for Kiwis in 2025

Why ASB Visa Platinum fits Kiwi wallets

The ASB Visa Platinum Rewards credit card is built for Kiwis who want practical perks without faff. With a competitive purchase rate and travel cover that suits trips around NZ and the Pacific, the ASB Visa Platinum is a solid everyday card for families and frequent travellers in Aotearoa.

Local shoppers will appreciate the True Rewards earnings on everyday spending and the interest-free days that help manage cashflow. The card’s features, like 0% balance transfer for six months and a minimum credit limit, make it useful for consolidating debt or smoothing seasonal costs.

How to squeeze maximum True Rewards value

Earn 1 True Rewards Dollar for every $100 spent and aim to put regular bills and recurring subscriptions on the ASB Visa Platinum Rewards credit card to build rewards fast. Redeem True Rewards Dollars for travel, retail or experiences that matter to Kiwis — everything from domestic flights to weekend getaways to Rotorua.

Track rewards in the ASB app and time redemptions around promotions to boost value per dollar. Use the ASB Visa Platinum for planned spend rather than impulse buys to keep interest down and maximise the net benefit of True Rewards.

Balance transfers, fees and travel insurance explained

The 0% p.a. balance transfer for six months is a practical tool if you need to consolidate higher-interest cards, but watch the revert rate after the offer ends. The ASB Visa Platinum has an annual fee (around $80 NZD) and standard purchase and cash advance rates, so plan repayments to avoid costly interest once the promotional period finishes.

Travel insurance included on the ASB Visa Platinum covers cardholders, spouses and dependent children for overseas trips up to 120 days per return trip, useful for family holidays to the islands. Always read the policy for exclusions and claim limits before relying on it for expensive trips or adventure sports common here in New Zealand.

Applying, eligibility and Kiwi tips

To apply you’ll need proof of income, ID and details of your expenses and liabilities — typical stuff for ASB. Self-employed applicants should prepare financial statements; salaried earners can speed things up with recent payslips and bank statements. Meeting ASB’s lending criteria improves approval odds for the ASB Visa Platinum Rewards credit card.

Use the ASB website or pop into your local branch to talk through options and check current offers. If you’re after travel perks, balance transfer flexibility and steady True Rewards earnings, the ASB Visa Platinum Rewards card remains a top contender for Kiwis in 2025 — just be disciplined with repayments to keep the benefits working for you.