ASBVisa Light
4217 1332 4539 9683
VALID THRU 02/31MORGAN LEE
0% APR Cards · New Zealand
ASB Visa Light
4.5 / 5 editorial rating
Best for: spreading a large purchase at 0% for six months, with no account fee
Annual feeNo annual fee
IssuerASB
NetworkVisa
Purchase APR13.50% p.a.
Foreign transaction fee0% from 15 September 2026 (p…
Credit neededAged 18 or over, NZ citizen…
Pros
- Automatic 0% on large single purchases
- No account fee
- Offshore Service Margin removed from 15 September 2026
Cons
- Cash advances cost 22.95% p.a.
- No rewards
- 0% periods last six months, then 13.50% p.a. applies
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
The ASB Visa Light has no account fee and a 13.50% p.a. purchase rate. Its Smart Rate gives 0% p.a. for six months on any single eligible purchase of NZ$1,000 or more.
ASB Visa Light at a glance
| Issuer | ASB |
| Card network | Visa |
| Annual fee | None |
| Rewards rate | None |
| Welcome bonus | See issuer for the current offer |
| Intro APR | 0% p.a. for 6 months on any single eligible purchase of NZ$1,000 or more (Smart Rate); 0% p.a. for 6 months on balance transfers |
| Regular APR | 13.50% p.a. |
| Foreign transaction fee | 0% from 15 September 2026 (previously 2.10%) |
| Credit needed | Aged 18 or over, NZ citizen or permanent resident; NZ$1,000 minimum credit limit |
| Best for | Spreading a large purchase at 0% for six months, with no account fee |
Key features
- 13.50% p.a. on purchases; 22.95% p.a. on cash advances
- Smart Rate: 0% p.a. for 6 months on any single eligible purchase of NZ$1,000 or more, applied automatically
- 0% p.a. fixed for 6 months on balance transfers, then 13.50% p.a.
- Up to 55 interest-free days on purchases
- No account fee
Pros
- Automatic 0% on large single purchases
- No account fee
- Offshore Service Margin removed from 15 September 2026
Cons
- Cash advances cost 22.95% p.a.
- No rewards
- 0% periods last six months, then 13.50% p.a. applies
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 Light 4217 1332 4539 9683 VALID THRU 02/31MORGAN LEE ASB Visa LightSpreading a large purchase at 0% for six months, with no account fee |
None | None | 0% p.a. for 6 months on any single eligible purchase of NZ$1… | 0% from 15 September 2026… | Aged 18 or over, NZ citizen or… | |
ANZLow Rate Visa 4527 9701 3467 0541 VALID THRU 04/30CASEY BROOKS ANZ Low Rate VisaA long, low-rate balance transfer and no-fee overseas spending |
None | None | 1.99% p.a. for the first two years on balance transfers (lim… | 0% | NZ citizen or permanent reside… | |
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… | |
ANZ Airpoints Visa PlatinumAirpoints earners who travel overseas and want no currency conversion charge |
NZ$150/yr | 1 Airpoints Dollar per NZ$110 on eligible purchases, with no earning l… | None | 0% | NZ$8,000 minimum credit limit;… |
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