Looking for a new debit or credit card? Take a look at our Debit, Low Rate and Platinum Mastercard options and compare their key features before you decide.
Confident young man in a purple sweatshirt holding up a TSB Low Rate Mastercard

TSB debit card

TSB Debit Mastercard

Designed for everyday spending with your own money.

Key features

  • No annual card fees
  • Spend your own money
  • Tap to pay with Apple Pay1 and Google Pay™2
  • Use it online, in-store and overseas
  • 1.9% foreign currency conversion fee
  • Protection from fraud with Mastercard's Zero Liability Promise3 
  • Use your card to access a range of Mastercard cardholder offers and experiences4 with Priceless®

Other fees apply. See TSB Debit Mastercard fees, limits and agreements for more detail. 
Learn more
Low rate

TSB Low Rate Mastercard

Our lowest rate credit card.
 

Key features

Other fees and interest rates apply. Interest rates are subject to change. See TSB Credit Mastercard rates, fees and agreements for more detail.
Learn more Apply now
platinum card

TSB Platinum Mastercard

Our best card for cashback rewards.
 

Key features

Other fees and interest rates apply. Interest rates are subject to change. See TSB Credit Mastercard rates, fees and agreements for more detail.
Learn more Apply now

Pay with the tap of your watch or phone.

Make your wallet wallet-less

Apple Pay and TSB set up on mobile

Apple Pay

Apple Pay is an easy, secure and private way to pay - in-store, online and even in your favourite apps. Now available with any TSB Mastercard on your iPhone, Apple Watch, iPad and Mac.

More about Apple Pay
Google pay done screen

Google Pay

Pay on websites, in apps, and in stores, with any TSB Mastercard and Android device. It brings together everything you need at checkout and protects your payment info with multiple layers of security to help keep your account safe.

More about Google Pay

Zero reasons not to

For a limited time, get 0% p.a. interest for 6 months on balances transferred from another bank credit card or selected store card to our award-winning TSB Low Rate Mastercard.

$20 annual fee. Other interest rates, lending criteria, T&Cs (including balance transfer terms) and fees apply.  Rates are subject to change. Any unpaid balance transfer amount at the end of the 6-month period will be treated as a purchase from that date. TSB received a 5-Star Rating for Outstanding Value Low-Rate Card 2023 from Canstar for our Low Rate Mastercard.

Balance transfers
TSB Mastercard Zero Transfer

EFTPOS

An EFTPOS card is another option, but it can't be used to buy things online. Designed for easy access to your money and no transaction fees on everyday personal accounts when using EFTPOS or ATMs in New Zealand.

Eftpos

How credit cards work

Check out all the things you should
know about how our credit cards work.

Understanding credit cards

Braille on our cards

To help our vision impaired customers identify which card they’re using, our debit and credit cards have ‘TSB D’, ‘TSB L’ or ‘TSB P’ printed in braille on them. 

Our new debit and credit cards have 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.

Ways to bank

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. 

Get help with your card
Important information
  1. The TSB Apple Pay Conditions of Use apply when you use your card in Apple Pay.
  2. The TSB Google Pay Conditions of Use apply to Google Pay, see Google Pay for more information.
  3. For details on Mastercard’s Zero Liability promise visit mastercard.co.nz/zeroliability.
  4. Priceless experiences are subject to terms and conditions at www.priceless.com/terms/en_NZ
  5. Different interest rates apply to balance transfers. We can change our interest rates and fees from time to time.  
  6. 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. 

  7. 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.

  8. 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. 
  9. 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.
  10. Use of ATMs not owned by a bank in New Zealand may incur a service fee (in addition to standard account transaction fees) for which TSB may receive a commission.

The terms and conditions for the TSB Debit Mastercard are set out in Debit Mastercard Conditions of Use, Debit Mastercard Fees Information and Privacy Notice.

The terms and conditions for the TSB Low Rate Mastercard and TSB Platinum Mastercard are set out in Credit Mastercard Conditions of Use, Credit Mastercard Fees Information and your card summary.

Mastercard and Priceless are registered trademarks, and the circles design is a trademark of Mastercard International.

Apple Pay, Apple Wallet, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.