ASBVisa Flex
4738 8385 9693 4496
VALID THRU 04/29CASEY BROOKS
No Annual Fee · New Zealand
ASB Visa Flex
4.6 / 5 editorial rating
Best for: the lowest purchase rate, with no account fee and no offshore margin
Annual feeNo annual fee
IssuerASB
NetworkVisa
Purchase APR9.95% p.a.
Foreign transaction fee0% (no Offshore Service Marg…
Credit neededAged 18 or over, NZ citizen…
Pros
- Lowest purchase rate of the NZ cards we compare
- No account fee and no currency conversion margin
- Cash advances charged at the same 9.95% p.a. rate
Cons
- Credit limit capped at NZ$4,000
- No rewards or insurance
- Requires a regular income over NZ$30,000 a year
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The ASB Visa Flex charges 9.95% p.a. on purchases and cash advances, with no account fee and no Offshore Service Margin. The trade-off is a credit limit capped at NZ$4,000.
ASB Visa Flex at a glance
| Issuer | ASB |
| Card network | Visa |
| Annual fee | None |
| Rewards rate | None |
| Welcome bonus | See issuer for the current offer |
| Intro APR | None |
| Regular APR | 9.95% p.a. |
| Foreign transaction fee | 0% (no Offshore Service Margin) |
| Credit needed | Aged 18 or over, NZ citizen or permanent resident, regular income over NZ$30,000 a year; limits NZ$500 to NZ$4,000 |
| Best for | The lowest purchase rate, with no account fee and no offshore margin |
Key features
- 9.95% p.a. on purchases and cash advances
- No account fee, including for joint accounts
- Up to 55 interest-free days on purchases
- 0% Offshore Service Margin on foreign currency transactions
- Credit limit from NZ$500 to NZ$4,000
Pros
- Lowest purchase rate of the NZ cards we compare
- No account fee and no currency conversion margin
- Cash advances charged at the same 9.95% p.a. rate
Cons
- Credit limit capped at NZ$4,000
- No rewards or insurance
- Requires a regular income over NZ$30,000 a year
Before you apply: confirm the current annual fee, interest rate, rewards and eligibility on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar New Zealand cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
ASBVisa Flex 4738 8385 9693 4496 VALID THRU 04/29CASEY BROOKS ASB Visa FlexThe lowest purchase rate, with no account fee and no offshore margin |
None | None | None | 0% (no Offshore Service Ma… | Aged 18 or over, NZ citizen or… | |
KiwibankZero Visa 4540 4047 9714 3961 VALID THRU 03/32SAM RIVERA Kiwibank Zero VisaA no-fee everyday card with a low rate on purchases and cash advances |
None | None | 1.99% p.a. for 6 months on balances transferred from non-Kiw… | See issuer | Kiwibank's lending criteria ap… |
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