hand holding up the TSB Platinum Mastercard


  • Key features

  • Earn cashback rewards
    Earn $1 cashback for every $125 on eligible purchases1. A $60 monthly cashback threshold applies.
     
  • Up to 55 days interest-free
    Pay your statement balance in full by the due date and you won’t pay interest on purchases2.
     
  • Easy ways to pay
    Tap to pay with Apple Pay3 or Google Pay4, and shop online or overseas wherever Mastercard is accepted.
     
  • Cover for purchases and travel
    Enjoy insurance cover for eligible purchases, your mobile phone and travel around New Zealand and overseas5 6.
     
  • Built in security
    Shop with confidence knowing Mastercard’s Zero Liability Promise7 helps protect you against unauthorised transactions.

Everyday insurance cover that comes with your card

TSB price protection insurance woman lying on bed looking at her phone

Price Protection

If the price drops on something you bought on your card within 30 days of purchase, you could get the difference back5.

Price Protection Insurance
woman sitting at her laptop with head in her hands thinking

Purchase Protection

Accidents happen - even to your brand new things. Get up to 180 consecutive days cover for accidental damage or theft for certain purchases bought on your card5.

Purchase Protection Insurance
male standing against white brick wall looking at his mobile

Mobile Phone Protection

You could be covered for accidental damage or theft if you pay your monthly bill or prepaid top-up for the preceding month using your card5.

Mobile Phone Protection Insurance

Domestic & international travel insurance

Get travel insurance for eligible travel around New Zealand and overseas when you use your TSB Platinum Mastercard.

Purchase at least 50% of your pre-paid travel expenses on your Platinum Mastercard.6

TSB Platinum Mastercard travel insurance
male traveler on his mobile looking concerned
Details What you'll pay
Details Annual card fee What you'll pay $90
Details Additional card What you'll pay $5 per year
Details Interest rate for purchase What you'll pay 20.95% p.a.
Details Interest rate for cash advances What you'll pay 1.9%
Details Foreign currency conversion fee What you'll pay 1.9%

Other fees and interest rates apply. See TSB Credit Mastercard rates, fees and agreements  for more detail.

Managing your card

Manage your card with online banking and the TSB mobile app. 

With online banking and the TSB mobile app you can make payments, keep track of your spending and check your balances, all from your mobile, tablet or desktop. From the Cards menu you can set a PIN, block/unblock/cancel your card and order a replacement.

Card trouble? We're here to help

Has something gone wrong with your card? Learn how to block a misplaced card, report it as lost or stolen, and dispute any transactions.

Manage your card Get help with your card
person on their smartphone managing their TSB credit card

What to know before you apply

Learn how our credit cards work and what to consider before you apply.

Understand credit cards
Application for a TSB credit card on a Mac Book Pro

Apply online for a TSB Platinum Mastercard

The application will take approximately 15-20 minutes to complete.

To apply for a credit card, you'll need to make sure you:

  • Are 18 years of age or over.
  • Receive a regular income of $18,000 or more per year (after tax).
  • Are either a New Zealand citizen living in New Zealand, or resident visa holder living in New Zealand.
  • Are not bankrupt and have not had any insolvency action taken against you.  
  • Can meet our lending criteria and have a good credit history.
  • Have your bank statements and proof of income handy.

We’ll handle all information you provide us in accordance with our Privacy Notice and the Privacy Act 2020. 

Apply now

Looking for another option?

You may be interested in

Low Rate Mastercard

View FAQs

Debit Mastercard

Important information
  1. Eligible purchases exclude fees, interest, cash advances, transactions that are like cash (such as purchases of travellers’ cheques and cryptocurrency), balance transfers, gambling chips and other gambling transactions (such as online gambling), tax payments and other payments to a tax department in New Zealand or overseas, any transaction that is reversed or refunded, and transactions that are processed on an account or card that is not a TSB Platinum Mastercard.  
  2. Up to 55 days interest-free credit for purchases when you pay the closing balance of your statement in full each month by the due date. Purchases don’t include cash advances or balance transfers. 
  3. The TSB Apple Pay Conditions of Use apply when you use your card in Apple Pay. 
  4. The TSB Google Pay Conditions of Use apply to Google Pay, see Google Pay for more information.  

  5. Mobile Phone Insurance, Purchase Protection Insurance and Price Protection Insurance are underwritten by AIG Insurance New Zealand Limited (“AIG”). AIG, TSB or Mastercard do not provide financial advice about the insurance. The TSB Credit Mastercard Insurance Terms and Conditions sets out the details of what is covered, claims limits, what is not covered, and eligibility to help you determine if the insurance is right for you. 
     
    The Insurance (Prudential Supervision) Act 2010 requires licensed insurers to have a current financial strength rating that is given by an approved rating agency. AIG Insurance New Zealand Limited has an A+ (Strong) insurer financial strength rating given by Standard & Poor’s (Australia) Pty Ltd. The rating scale, in summary form, is:

    AAA Extremely Strong                   BBB Good                CCC Very Weak                    SD Selective Default
    AA Very Strong                              BB Marginal              CC Extremely weak               D Default
    A Strong                                         B Weak                     C Regulatory Action               NR Not Rated


    The rating from 'AA' to 'CCC' may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. A full description of the rating scale is available on Standard & Poor’s website. 

  6. Terms, conditions, limits, sub-limits, exclusions (such as age limitations) and eligibility criteria apply. Customers considering this travel insurance policy should read the Policy Wording to check what is and isn’t covered. If you’re travelling on a domestic journey within New Zealand, you only have cover under Section 1.1 Cancellation of Journey and Section 1.3 Travel Delay. If you’re travelling on an international journey, you have cover under all sections of this policy. See TSB Credit Mastercard Insurance Terms and Conditions for details.

    TSB Platinum Mastercard Travel Insurance is underwritten by Mitsui Sumitomo Insurance Company, Limited (MSI), FSP Number 20661 (Incorporated in Japan). AWP Services New Zealand Limited trading as Allianz Partners holds a binding authority from MSI to issue and manage contracts of insurance and to deal with or settle claims on MSI’s behalf.  

    You should read the Policy Wording and consider obtaining independent legal or financial advice before making any decisions about this insurance. Terms, conditions, limits, sub-limits, exclusions (such as age limitations) and eligibility criteria apply. See TSB Credit Mastercard Insurance Terms and Conditions for details. 

    Mitsui Sumitomo Insurance Company, Limited - Financial Strength Rating. 
    Mitsui Sumitomo Insurance Company, Limited has a financial strength rating of A+ (Stable) given by S&P Global Ratings. 

    The Standard & Poor's rating scale is: 

    AAA Extremely Strong                   BBB Good                CCC Very Weak                   D Default
    AA Very Strong                              BB Marginal              CC Extremely weak               
    A Strong                                         B Weak                     C Selective Default       

    The rating may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. 
    Further information on the S&P Global ratings is available here. 

  7. For details on Mastercard’s Zero Liability promise visit mastercard.co.nz/zeroliability. 

Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International. 

Apple Pay, Apple Wallet, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. 

Android and Google Pay are a trademark of Google LLC.