At a glance

  • Use your card to spend in-store, online and all over the world1
  • 18.50% interest rate on purchases and cash advances
  • Visa payWave to help you spend less time at the check-out
  • Up to 55 days interest-free credit on purchases
  • Balance transfer of 0% interest for six months
  • Low account fee - $15 per six months
  • Protection from fraud with Verified by Visa and Visa Zero Liability policy

View fees


Balance transfers

A balance transfer enables you to consolidate outstanding balances on other bank credit cards to one easy to manage card. The interest rate is only 0% on the transferred balance for the first six months. When the 0% p.a. special offer ends in six months, the standard rate of 18.50% applies.

  • Take control - transfer multiple balances into one easy to manage balance
  • Reduce your interest rate - consolidate debt at a rate of 0% for six months


How to use Visa payWave

Need to make a quick payment? Anything under $80 won’t require a PIN when you use Visa payWave - you can just wave and go. If you do spend over $80 simply enter your PIN as you normally would.


How it works
  • Look for the Visa payWave symbol in participating stores

  • Check the amount displayed on the terminal is correct & wave your card in front of the terminal. If a PIN is required, you’ll be prompted to enter that

  • Listen for the terminal to beep and give the green light, then check your transaction has been approved

  • And that’s it, your transaction is complete

A friendly reminder: If you’ve got other contactless cards, take care not to hold your wallet next to the terminal when paying.

Got a question?

Check out our Visa payWave Frequently Asked Questions


Lost / Stolen cards
This form cannot be used to report lost/stolen cards or unauthorised transactions. If your card is lost or stolen within New Zealand, please let us know straight away by calling 0800 872 226. Outside normal business hours, please phone 0800 406 406.

Overseas? Please phone 0064 06 968 3700 or visit Visa Global Customer Assistance.

Braille added to Visa Classic Credit cards

Putting customers first is at the heart of our philosophy, so we’re always looking for ways that we can improve our services. We’ve been working closely with the Blind Foundation and are excited to announce that our Visa Classic Credit Cards will have ‘TSB C’ printed in braille on them. This is to help our vision impaired customers identify which card they’re using, as well as identify the orientation of their card.


Getting Started

With us already?

If you’ve got a TSB account and use Online Banking, you can apply online. Simply log in, click ‘apply’ from the dashboard and select ‘credit card’. If you don’t have Online Banking, download and fill out the application form, then send it to


Not with us, but want a credit card?

You’ll need a TSB account to be approved for a Visa Classic Credit card. Send us a message, chat to us on 0800 872 226, or pop into your local branch to find out more.