Before we start

To apply for a credit card, you need to make sure you:

  • Are aged 18 years or over.
  • Receive a regular income of $18,000 or more per year (after tax).
  • Are either a New Zealand citizen living in New Zealand, or resident visa holder living in New Zealand.
  • Are not bankrupt and have not had any insolvency action taken against you.  
  • Can meet our lending criteria and have a good credit history.
  • Have your bank statements, information on all your expenses and proof of your income handy.

We’ll handle all information you provide us in accordance with our Privacy Notice and the Privacy Act 2020. 

TSB Mastercard Low Rate and Platinum on a spotlight

Providing proof of income and expenses

During your application you’ll need to provide details about yourself, what you earn and spend and what you owe including proof of income and expenses. Here’s what you’ll need to have handy when you apply.

Important information


You’re protected by responsible lending laws. Because of these protections, the recommendations given to you about TSB’s credit cards are not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

If you’d like to seek advice before proceeding, please contact us. We’ll refer you to one of our team who can help identify the best solution for you. 

Let's get started

Application time approx 15-20 min. You're completing a secure application.

You can pause your application at any point by clicking the ‘Save and Exit’ button and we’ll save your in-progress application so you can come back to it later. 

I acknowledge by continuing that I accept electronic communications, signatures and information from TSB, and understand that TSB may accept electronic communications, signatures and/or instructions from me and any authorised individual appointed by me.
 

I acknowledge and accept that any personal information TSB collects about me will be handled in accordance with TSB's Privacy Notice.
 

I also confirm that if additional cardholders are added to this application, I am authorised by the additional cardholders to disclose their personal information to TSB for the purpose of processing this application.


I acknowledge by continuing that I accept electronic communications, signatures and information from TSB, and understand that TSB may accept electronic communications, signatures and/or instructions from me and any authorised individual appointed by me.


I acknowledge and accept that any personal information TSB collects about me will be handled in accordance with TSB's Privacy Notice.


I also confirm that if additional cardholders are added to this application, I am authorised by the additional cardholders to disclose their personal information to TSB for the purpose of processing this application.