CREDIT CARD

At a glance

 

Credit Card - at a glance 2 - icon w caption

 

Interest free credit

Get up to 55 days interest-free
credit on purchases.


 

tsb credit card icon

 

Visa payWave

Spend less time at the
checkout with Visa payWave.

tsb credit card icon

 

Balance transfer

0% interest for six months on balances
transferred from other credit cards.
 

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Use in-store, online & worldwide

Use your card to spend in-store,
online and all over the world1


 

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Safe & secure

Protection from fraud with
Verified by Visa, and Visa Zero
Liability policy.

 

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Interest rate & low fees

18.50% interest rate on
purchases and cash advances.
Low account fee $15 per six months.

 

 

 

tsb credit card getting started

 

 


CREDIT CARD

Apply online in minutes

Applying for a credit card is easy. You can do it all online anytime, anywhere. This process is likely to take around 10-15 minutes to complete. 


To apply online you'll need to: 

  • be 18 years old or over
  • have a valid New Zealand Passport or New Zealand Driver's Licence
  • use a smart phone or computer with a web cam 
  • have a minimum income of $18,000 p.a.
  • have three months bank statements available
  • be a New Zealand citizen or permanent resident 
  • read and agree with our Privacy Policy

 

APPLY NOW

 

 

 


CREDIT CARD

Balance transfers

A balance transfer enables you to consolidate outstanding balances on other bank credit cards and store 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
tsb visa credit card balance transfer

 

 

tsb visa PayWave


HOW TO USE

Visa payWave

Need to make a quick payment? Anything under $200 won’t require a PIN when you use Visa payWave - just wave and go. If you do spend over $200 you may be prompted to enter your PIN by the merchant2.

 

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

  • That’s it, your transaction is complete

 

 

 


PUTTING CUSTOMERS FIRST

Braille on our cards

Putting customers first is at the heart of our philosophy, so we’re always looking for ways that we can
improve our services. All our Visa Classic Credit Cards 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.


 

 

 

 


ONLINE & MOBILE BANKING

Manage your 
card online

Get set up with online and mobile banking so you can take control of your money. Make payments, keep track of spending and check balances all from a mobile, tablet or desktop.
 

WAYS TO BANK
Personal Loans - online banking image - HTML

 

 

 

 

 


WHAT TO DO

Lost or Stolen card? 

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? Phone +64 06 968 3700 or visit Visa Global Customer Assistance.
 


 

 


HOW TO

Dispute a transaction

If you find a transaction on your TSB Visa Credit card statement or TSB Visa Debit account that you don’t believe you made, you can dispute it - you have up to 60 days from the transaction date to submit your dispute.

LEARN MORE
 


 

 


 


OTHER OPTIONS TO

Consider

When borrowing money, there are a few alternatives to consider. The best solution will depend on your
personal finances, what you’re wanting to buy, and how you’re planning to pay the money back3.


 

TSB other options personal loan

 

tsb overdraft options

 

 

 

Apply for a TSB Classic credit card
  • Don’t forget to read this bit

    1. If you use your Visa Classic Credit card overseas, you’ll be charged an Overseas Service Fee.    

    2. This is a temporary increase from the previous $80 limit prompt for PIN, due to COVID-19, to allow our customers to complete in-store transactions quickly and safely. Limit may revert back to $80.

    3. TSB does not provide financial advice via this website

    Take a look at our Disclosure Statement or grab a copy from your local branch. Use of our accounts and services are subject to TSB’s General Banking Information.

    See Visa Interchange Rate Fee Schedule