TSB Credit Mastercard FAQs

You can apply for a new TSB Credit Mastercard through our online application.

You’ll need to provide details about yourself, what you earn and spend and what you owe, including proof of income and expenses. It’s a good idea to have this information ready before you apply – check here to see what to have handy.

To find out if we’ve got the right card for you, check out our card options to compare the key features of our TSB Low Rate Mastercard and TSB Platinum Mastercard.

There are annual fees, based on the card type that you apply for.

The annual fees are:

• Low Rate Mastercard $20 per annum; and
• Platinum Mastercard $90 per annum

A $5 annual fee applies for each additional card.

There are some other fees which apply for all types of cards. See our TSB Credit Mastercard rates, fees and agreements for more detail.

Apple Pay and Google Pay are available on your TSB Credit Mastercard. Simply add your TSB Credit Mastercard to your mobile wallet so you can tap to pay in-store, in apps and online. Learn more about Apple Pay or Google Pay.

All insurance claims or queries should be directed to the insurer. They will be able to assist you as specialists in the policy details.

Everyday insurances

AIG are the insurer for Purchase Protection, Price Protection and Mobile Phone Protection. 

To make a claim, choose one of the following:

• Log on to nz.mycardbenefits.com
• Email AIG at APAC.Mastercard@aig.com
• Call the AIG Customer Service team on 0800 231 234 (8.30am–5pm, excluding public holidays)

Check out our FAQs related to these Insurances.

Travel insurances

Allianz Partners issue and manage the TSB Platinum Mastercard Travel Insurance.

• For general enquiries and claims, call 0800 553 550.
• For urgent assistance, the 24/7 assistance line is available from anywhere in the world on +64 9 486 6868 (you can reverse the call charges).

View all of our Travel Insurance specific FAQs here.

There are different interest rates for each card for purchases, cash advances, and balance transfers. You can find full details of the rates for each card here.

Depending on when you make your transaction, you can get up to 55 days interest free on purchases made using our Low Rate Mastercard or Platinum Mastercard if you pay your closing balance in full by the due date. Note: interest free days don’t apply to cash advances or balance transfers. You can learn more on how interest free days work here. 

We’re unable to issue joint TSB Credit Mastercards, you can only apply for a card as an individual. 

You can add an additional cardholder to your account. They’ll be able to use the card and access the credit limit, but won’t be responsible for paying the outstanding balance. 

You can choose one of the following as proof of income:

• Bank statements
• Recent payslips
• Employer letter
• Employment contract
• IRD documents

We’ll need your last three months of bank statements to verify your expenses. You don’t need to provide statements for accounts you have with TSB. 

If you use more than one account for your day-to-day expenses, you’ll need to supply statements for all of those accounts. This includes credit cards where you use them for your living expenses. 

Before you upload them, double check: 

• They are PDF statements downloaded from online banking or provided by your bank. We’re not able to accept scans, paper copies, or any other file types including transaction lists or exports. 
• The heading ‘Statement’ is on the document. 
• 90 consecutive days is covered for each account. 
• The most recent statement is no more than 30 days old. 
• If you’ve chosen to use your bank statements to verify your income, that the account your income is paid into is included. 

Once you receive your new card it will be ready to use as soon as you add a PIN and activate it. 

You can activate your card in online banking or the TSB mobile app. To do so, after you’ve logged in, go to ‘Services’ and select ‘Card Manager’. Then follow the prompts to add a PIN and activate your card. 

If you don’t have online banking you can contact us to arrange for your card to be activated. Call us on 0800 872 226 Monday to Friday 8am to 6pm or Saturday to Sunday 9am to 5pm. If you’re overseas call us on +64 6 968 3700.

You can select any 4-digit number as your PIN, however your card must have a PIN that other people cannot easily guess. You could be responsible for losing money if you do not protect your card or PIN.  

To avoid this, don’t use: 

• Your birthday (2803) or year of birth (1978)
• A spouse or child’s birthday, or an anniversary
• Your age (3838)
• Sequences or repeated numbers (1234, 1111)
• Any sequence of numbers written on the card
• Parts of a landline or mobile phone number
• Parts of a driver’s licence number, or its expiry date
• A locker or alarm code.

Your TSB Credit Mastercard will be sent to the address that you provide when you apply for your card.

Your TSB Credit Mastercard can only be sent to the address that you provide when you apply for your card, not to your local TSB branch.

Your TSB Credit Mastercard will be delivered to your mailbox and is sent out inactive in an unmarked envelope or tracked courier bag. TSB has security measures in place to ensure that anyone who has the card needs to go through an identity check to be able to select a PIN and activate the TSB Credit Mastercard. 

Cards sent out via standard post usually arrive between 3-7 business days from the date your application is approved. If your card is being sent by domestic courier, it should arrive between 3-5 days from the date your application is approved. 

The only account type that can be accessed through your TSB Credit Mastercard is the credit card account. No other TSB accounts can be accessed through it.

If CHQ or SAV are pressed in an EFTPOS terminal, the transaction will be declined. The only button that should be pressed to complete a transaction using your TSB Credit Mastercard is CRD. You can also use your card in store to make contactless transactions up to a limit. If you try to make a contactless transaction in New Zealand above the current limit, you will need to sign for your transaction or enter a PIN in the usual way.

Yes - your replacement card will have a new card number, so you’ll need to update it anywhere you’ve saved it (like subscriptions or recurring bills). 

Your account number stays the same.  

You’ll receive a monthly statement showing all the transactions you’ve made, along with your closing balance and your minimum payment (if anything is owing).   

You can also check your transactions anytime in online banking or the TSB mobile app. Your credit card account will appear as an account, with up-to-date transaction details available whenever you need them.   

You can find information on how to dispute a transaction on your TSB Credit Mastercard here. 

If you live in New Zealand, a new card will be automatically re-issued to you at the beginning of the month your card is due to expire.  

We’ll email you the month before your card expires to let you know what’s coming up and what you need to do next. 

If you're overseas or need an early replacement card for overseas travel, please call us on 0800 872 226 from within NZ, or +64 6 938 3700 from overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. You can find our public holiday hours here.   

If you never activated your card, a new card will not be re-issued. 

You can update your address in online banking, the TSB mobile app, or by calling us.   

 In online banking:   

 1. Click 'PROFILE'   

2. Go to 'Contact Details' section   

3. Type your new address in the search bar   

4. Click ‘UPDATE’ to save    

In the TSB mobile app:    

1. Open the menu and click your profile    

2. Click 'CONTACT' and then your address   

3. Type your new address in the search bar   

4. Click ‘UPDATE’ to save     

If you don't have online or mobile banking, please call us on 0800 872 226 from within NZ, or +64 6 938 3700 if you’re overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. You can find our public holiday hours here.   

Yes, if you need an early replacement card, please call us on 0800 872 226 from within NZ, or +64 6 938 3700 if you're overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. You can find our public holiday hours here. 

If your card is automatically reissued, or you have ordered an early replacement card, you will have the same card number, so you won’t have to update any payments.    

If your card is lost, stolen or cancelled, your replacement card will have a new number. Your payments will update automatically for most merchants, but you may need to update your details with some.

If you have Apple Pay or Google Pay™ set up, your digital wallet will also automatically update.

Current cards are valid through to the last day of the month listed on the back of your card. For example, if you have an expiration of 05/27, you can use the card until 31 May 2027. 

If your TSB Credit Mastercard has a temporary hold, we’ll still send you a new card. The temporary hold will carry over to your new card and stay in place until you choose to remove it.  

Normally, you can activate your re-issued card by making a transaction using your PIN. However, if there’s a temporary hold on your card, you won’t be able to activate it this way.  

If your re-issued card isn’t activated before your existing card expires, then recurring payments (like subscriptions or bills) may be declined. You’ll need to activate your new card to keep everything running smoothly. 

If you no longer need your credit card, you can close your account by giving us a call.  

Call 0800 872 226 from within NZ, or +64 6 938 3700 if you're overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. You can find our public holiday hours here.    

Just a heads up — only the primary cardholder can request to close the account.