Looking for a new debit or credit card? Take a look at our Debit, Low Rate and Platinum Mastercard options and compare their key features before you decide.

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Low rate

TSB Low Rate Mastercard

Our lowest rate credit card.

Key features

Other fees and interest rates apply. Interest rates are subject to change. See TSB Credit Mastercard rates, fees and agreements for more detail.

platinum card

TSB Platinum Mastercard

Our best card for cashback rewards.

Key features

Other fees and interest rates apply. Interest rates are subject to change. See TSB Credit Mastercard rates, fees and agreements for more detail.

Zero reasons not to

For a limited time, get 0% p.a. interest for 6 months on balances transferred from another bank credit card or selected store card to our award-winning TSB Low Rate Mastercard.

$20 annual fee. Other interest rates, lending criteria, T&Cs (including balance transfer terms) and fees apply.  Rates are subject to change. Any unpaid balance transfer amount at the end of the 6-month period will be treated as a purchase from that date. TSB received a 5-Star Rating for Outstanding Value Low-Rate Card 2023 from Canstar for our Low Rate Mastercard.

TSB Mastercard Zero Transfer


An EFTPOS card is another option, but it can't be used to buy things online. Designed for easy access to your money and no transaction fees on everyday personal accounts when using EFTPOS or ATMs in New Zealand.

How credit cards work

Check out all the things you should
know about how our credit cards work.

Braille on our cards

To help our vision impaired customers identify which card they’re using, our debit and credit cards have ‘TSB D’, ‘TSB L’ or ‘TSB P’ printed in braille on them. 

Our new debit and credit cards have a vertical design, so the braille is printed on the lower left side, to help customers identify the orientation of their card for tapping or inserting the chip.

Monitor your card online

With online and mobile banking you can take control of your money. Make payments, keep track of spending and check balances all from your mobile, tablet or desktop.

Get help with your card

Has something gone wrong with your card? Learn how to block your card when you’ve misplaced it, report your card as lost or stolen, and how to dispute a transaction. 

Important information
  1. The TSB Google Pay Conditions of Use apply to Google Pay, see Google Pay for more information.
  2. For details on Mastercard’s Zero Liability promise visit mastercard.co.nz/zeroliability.
  3. Priceless experiences are subject to terms and conditions at www.priceless.com/terms/en_NZ
  4. Different interest rates apply to balance transfers. We can change our interest rates and fees from time to time.  
  5. 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 doesn’t include cash advances or balance transfers. 
  6. 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. 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.

  7. Eligible purchases exclude fees, interest, cash advances, transactions that are like cash (such as purchases of travellers’ cheques and crypto currency), 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. 
  8. TSB Platinum Mastercard Travel Insurance is issued and managed by AWP Services New Zealand Limited trading as Allianz Partners and underwritten by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (incorporated in Australia) ("Hollard"). You should consider the policy wording before making any decisions about this travel insurance policy. Terms, conditions, limits, sub-limits, exclusions and eligibility criteria apply. See TSB Credit Mastercard Insurance Terms and Conditions for details.
  9. Use of ATMs not owned by a bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB may receive a commission.

The terms and conditions for the TSB Debit Mastercard are set out in Debit Mastercard Conditions of Use, Debit Mastercard Fees Information and Privacy Notice.

The terms and conditions for the TSB Low Rate Mastercard and TSB Platinum Mastercard are set out in Credit Mastercard Conditions of Use, Credit Mastercard Fees Information and your card summary.

Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.

Google Pay is a trademark of Google LLC.