Introducing TSB Platinum Mastercard – our best credit card for cashback rewards. Designed to keep rewards easy, and your purchases and travel experiences insured from the unexpected. 

tsb platinum mastercard

Our TSB Platinum Mastercard

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

hand holding a white mobile phone with the application form on the screen

Apply online for a credit card

The application takes around 20-30 minutes to complete – to make the process faster have your bank statements and proof of income handy, check here to see what you’ll need.

Key Features

At a glance

Unlimited cashback rewards

Get $1 cashback with every $100 spent on your card on eligible purchases1.

Interest free credit

Up to 55 interest free days on purchases when you pay the closing balance of your statement in full each month by the due date.3

Tap to pay with Google Pay™4

Pay with your Android™ device wherever contactless payments are accepted.

All about our credit cards

Check out the key things you should know about how our personal Mastercard credit cards work before you apply.

Braille on our cards

To help our vision impaired customers identify which card they’re using, our TSB Platinum Mastercards have 'TSB P' printed in braille on them. 

Our new TSB Platinum Mastercard has 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.

How to 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. 

Not the right option for you?

Take a look at our other personal lending options.

Get started

Important information
  1. 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. 
  2. Different interest rates apply to balance transfers. We can change our interest rates and fees from time to time.  
  3. 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.
  4. The TSB Google Pay Conditions of Use apply to Google Pay, see Google Pay for more information. 
  5. Terms, conditions, limits, sub-limits, exclusions 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 are 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 are travelling on an international journey, you have cover under all sections of this policy. See TSB Credit Mastercard Insurance Terms and Conditions for details.
  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. The terms and conditions for the TSB Platinum Mastercard are set out in Credit Mastercard Conditions of Use, Credit Mastercard Fees Information and your card summary.

    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.

    The Hollard Insurance Company Pty Limited – Financial Strength Rating and Overseas Policyholder Preference Disclosure Notice

    The Hollard Insurance Company Pty Ltd has a financial strength rating of A (Strong) issued by Standard and Poor’s.

    The Standard & Poor's rating scale is:
    AAA Extremely Strong
    AA Very Strong
    BBB Good
    BB Marginal
    CCC Very Weak
    CC Extremely Weak
    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.

    The rating scale above is in summary form. 

    A full description of this rating scale can be obtained from

    An overseas policyholder preference applies. Under Australian law, if The Hollard Insurance Company Pty Ltd is wound up, its assets in Australia must be applied to its Australian liabilities before they can be applied to overseas liabilities. To this extent, New Zealand policyholders may not be able to rely on The Hollard Insurance Company Pty Ltd’s Australian assets to satisfy New Zealand liabilities.

    8. Priceless experiences are subject to terms and conditions at

    9. The limits for contactless transaction without PINs can be changed from time to time without notice.

    Mastercard, Priceless and the circles design are registered trademarks of Mastercard International Incorporated.
    Android and Google Pay are trademarks of Google LLC