TSB Credit Card NZ

TSB, originally known as Taranaki Savings Bank, makes banking simple and easy for Kiwis from different walks of life. Founded in 1850, they are 100% independent and Kiwi-owned. Today they provide a range of financial services and products including home loans, mortgages, investments, and more.

TSB offer only one type of credit card; the Visa Classic Credit Card. It can be used locally and overseas, giving you the flexibility to buy goods and services whenever and wherever you need to. TSB understand that flexibility is important to Kiwis, as you never know when an emergency could happen. You’ll also have the option to get credit card insurance to cover a portion of your credit card payments in the event of an accident, major illness, or other emergency.

If you’re looking for a practical and flexible credit card that provides ease of transactions, from everyday spending to emergency situations, TSB’s Visa Classic Credit Card is the perfect option for you. See how TSB fare against other credit card providers in NZ using our comparison tool and get the best one for your needs today!

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TSB’s Visa Classic Credit Card gives you great flexibility, allowing you to make purchases with ease both locally and overseas.  If you’re unable to pay everything in one go, TSB will send you monthly statements until you’ve fully paid. Switching to a TSB credit card is also convenient as they don’t charge any interest for the first 6 months if you transfer your balance from another bank’s credit card. You can also cancel your credit card account anytime if you’re unsatisfied with the services after you settle your card balance.

Visa payWave

When you make a purchase that’s below $80 in stores with Visa payWave, you simply need to tap your card on the machine and you’re done. While some credit cards require your signature or PIN to validate a transaction, TSB’s Visa Classic lets you go contactless with a simple “tap and go”, which is more secure nowadays than handing over your card.

Financial hardship team

TSB Banking can help you to get through those tough financial situations. They have a financial hardship team who you can consult with, should you encounter difficulty in paying for your bills or maintaining your account. If you’re closing your account because of financial hardship, they’ll reach out to you first to provide professional advice that can help you. TSB don’t give up on their Kiwi customers easily, and will provide helpful solutions that will allow your banking relationship with them to continue.

Braille print

TSB aim to meet the various needs of Kiwis and ensure the best customer experience, no matter their circumstances. This is proven through the braille print on their credit card that helps those that are visually imparied. Kiwis with vision concerns can simply look for the ‘TSB C’ print to identify their Visa Classic.

TSB Credit Card NZ details - Rewards, Rates, Annual Fees


TSB’s Visa Classic is relatively low maintenance compared to other credit cards. Aside from the annual fee of $30 per year, its credit card features an interest-free period of up to 55 days and a TSB credit card rate of only 18.5% on purchases and cash advances. When you make a cash advance locally, you’ll be charged $2; when you make a cash advance overseas, you’ll be charged $5.

Credit limit

Your credit limit will ultimately depend on your personal information and credit history. The better your credit history, the higher your credit limit becomes. If you want to increase your credit limit, you’ll need to visit your TSB branch and consult with one of their financial experts.

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Experience flexible transactions - make the switch to a TSB Visa Classic Credit Card today!

Shane Egan (Popup) , 2023-07-10

Excellent service. Responsive and easy to deal with. Got me an awesome deal on Broadband. Well worth calling to see what they can do. 👍

Jamie Martin , 2023-06-18

Really great service, helped us save about 30% on power plus a free $100 sign up bonus. Very fast and efficient.

Kat W , 2023-06-20

Very helpful and informative. Lovely chatting with them on the phone, helped me find a power supplier, pretty simple and straight forward

Dee Painter , 2023-08-08

So easy to use, very helpful and got a great deal with my power and gas