Credit card FAQs

You can apply for a new credit card online.

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.

See what you'll need for your application.

You can also compare our Low Rate Mastercard and Platinum Mastercard to find the right option for you.

We may charge your card account with fees for issuing and using your card, and for related services. These may include annual fees, additional card fees, card replacement fees and currency conversion fees on foreign currency transactions.

Annual fees depend on which card you choose:

• Low Rate Mastercard - $20 a year
• Platinum Mastercard - $90 a year

Fees also apply for additional cards and some other services. See our TSB credit card rates, fees and agreements for full detail.

No. A TSB credit card can only have one primary cardholder. 

You can add an additional cardholder to your account. They can use the card and access the available credit limit, but they aren’t responsible for repaying the outstanding balance.

You can provide one of the following:

• Bank statements
• Recent payslips
• Employer letter
• Employment contract
• Inland Revenue Department (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 provide statements for all of them. This includes credit cards you use for your living expenses. 

Before you upload your statements, double check: 

• They’re PDF statements downloaded from online banking or provided by your bank. We can’t accept scans, paper copies, transactions lists, exports or other file types.
• The heading ‘Statement’ is on the document.
• They cover 90 consecutive days for each account.
• Your most recent statement is no more than 30 days old. 

If you’re using bank statements to verify your income, the account your income is paid into is included.

Yes. You can add your credit card to Apple Pay or Google Pay to pay in-store, in apps and online. 

Learn more about Apple Pay or Google Pay.

When you’re asked to select an account at an EFTPOS terminal, choose CRD.

CHQ and SAV won’t work with your TSB credit card. 

You can also make contactless payments. For transactions above the contactless limit, you may need to enter your PIN.

You can check your credit card transactions anytime in online banking or the TSB mobile app. 

You’ll also receive a monthly statement showing your transactions, closing balance and minimum payment if you have an amount owing.

Think something isn’t right with a transaction? See how to dispute a credit card transaction.

You can pay your TSB credit card by:

One-off payment from any bank

Making a payment through internet banking using:

• Account number: 15-3960-0007553-03 
• Account name: TSB Mastercard
• Particulars: Your account reference number found in the top right of your statement
• Code: Customer’s last name

TSB online banking

Transfer payments directly from your other TSB accounts to your credit card account.

Direct debit

Set up a direct debit by visiting a TSB branch or calling 0800 872 226 or +64 6 968 3700 from overseas.

In person

Pay at any TSB branch. 

Make sure your payment is made by the due date shown on your statement.
To avoid paying interest on purchases, you’ll generally need to pay your closing balance in full by the due date. 

Learn more about credit card payments and interest
 

Different interest rates apply to purchases, cash advances and balance transfers. 

See our current TSB credit card interest rates

You can get up to 55 days interest-free on purchases if you pay your closing balance in full when it’s due. 

Interest-free days don’t apply to cash advances or balance transfers. 

Learn more about interest-free purchase days

The claims process depends on the type of insurance you’re claiming under. 

Everyday insurances 

AIG manages claims for Purchase Protection, Price Protection and Mobile Phone Protection. 

To make a claim, you can: 

• Log on to nz.mycardbenefits.com 
• Email AIG at APAC.Mastercard@aig.com 
• Call the AIG Customer Service team on +64 99756490 (8.30am-5.30pm, excluding public holidays) 

How to make a claim

Travel Insurance

Allianz Partners issues and manages TSB Platinum Mastercard Travel Insurance.

Start a travel insurance claim online and Allianz Partners will guide you through the next steps. Depending on when your travel insurance was activated, you may be able to complete your claim online or you may be asked to contact Allianz Partners.

If you need help with your claim, call Allianz Partners on 0800 800 357 between 8.30am and 5pm Monday to Friday, except public holidays.

For urgent assistance overseas, call +64 9 486 6868. Allianz Partners’ Emergency Assistance team is available 24 hours a day, 7 days a week.

How to make a claim

Travel Insurance FAQs

 

Before you can use your new card, you’ll need to choose a PIN and activate it. 

You can do this in online banking or the TSB mobile app:

• Log in
• Select Cards
• Follow the prompts to choose a PIN and activate your card.

If you don’t have online banking, call us on 0800 872 226. If you’re overseas, call +64 6 968 3700.

Choose a four-digit number as your PIN that’s difficult for someone else to guess. Avoid using personal information or obvious number patterns.

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 shown on your card
• Parts of a landline or mobile phone number
• Parts of a driver licence number or its expiry date
• A locker or alarm code.

Your credit card will be sent to the address you provided when you applied.

We can’t send new cards to a TSB branch for collection.

You don’t need to be home when your card arrives. 

Your card will be delivered inactive in an unmarked envelope or tracked courier bag. You’ll need to verify your identity before you can choose a PIN and activate it.

Standard post: usually 3-7 business days after your application is approved. 

Domestic courier: usually 3-5 days after your application is approved. 

Yes, your replacement card will have a new card number. You shouldn’t need to update your card details with every service provider. Mastercard automatically updates your new card details for participating merchants, helping your recurring payments and subscriptions carry on as usual. 

Some merchants may not support this feature, so it’s a good idea to check any important recurring payments after you’ve activated your new card. 

Your credit card account number will stay the same.

If you live in New Zealand, we’ll automatically send you a replacement card at the beginning of the month your card expires.  

We’ll email you the month before to let you know what’s happening and anything you need to do. 

If you're overseas or need your replacement card early for overseas travel, call us on 0800 872 226, or +64 6 968 3700 from overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. See our public holiday opening hours. 

If you never activated your current card, we won’t automatically issue a replacement.

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

 In online banking:   

• Go to Profile.
• Select Contact details.
• Search for your new address.
• Select Update to save.    

In the TSB mobile app:    

• Open the menu and tap on your profile on the top left.
• Select Contact, then your address. 
• Search for your new address.
• Select Update to save.

If you don't have online or mobile banking, call us on 0800 872 226 from within New Zealand, or +64 6 968 3700 if you’re overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. See our public holiday opening hours. 

Yes. If you need your replacement card early, call us on 0800 872 226 from within New Zealand, or +64 6 968 3700 if you're overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. See our public holiday opening hours.

Your card is valid until the last day of the expiry month shown 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.

We’ll still send you a new card. The temporary block will carry over to your new card and stay in place until you remove it.  

Normally, you can activate a reissued card by making a transaction using your PIN. If there’s a temporary block on your card, you won’t be able to activate it this way.

If your reissued card isn’t activated before your existing card expires, recurring payments such as subscriptions or bills may be declined. 

Activate your new card before your existing card expires to help keep your payments running as expected.

If you no longer need your credit card, you can close your account by calling us on 0800 872 226 from within New Zealand, or +64 6 968 3700 if you're overseas. We're available Monday-Friday 8am-6pm, and weekends 9am-5pm. See our public holiday opening hours.

Only the primary cardholder can ask us to close the account.