TSB Credit Mastercard FAQs

There are annual fees, based on the card type that you apply for.

The annual fees are:

• Low Rate Mastercard $20 per annum; and
• Platinum Mastercard $90 per annum

Additional cards for each additional cardholder have fees of $5 per annum.

There are some other fees which apply for all types of cards. See our TSB Credit Mastercard rates, fees and agreements for more detail.

Apple Pay¹ and Google Pay² are available on your TSB Credit Mastercard. Simply add your TSB Credit Mastercard to your mobile wallet so you can tap to pay in-store, in apps and online. Learn more about Apple Pay or Google Pay.

All insurance claims or queries should be directed to the insurer. They will be able to assist you as specialists in the policy details.

AIG are the insurer for Purchase Protection, Price Protection and Mobile Phone Protection. To make a claim, log on to nz.mycardbenefits.com or you can contact AIG by emailing APAC.Mastercard@aig.com, or call the AIG Customer Service team on 0800 231 234 between 8.30am and 5pm (except public holidays).

Check out our FAQs related to these Insurances.

Allianz Partners issue and manage the TSB Platinum Mastercard Travel Insurance. For general enquiries and claims, you can contact them on 0800 800 357, or for urgent enquiries, they have an assistance line available 24 hours per day, 7 days per week, and you can reverse the call charges from anywhere in the world at +64 9 486 6868.

View all of our Travel Insurance specific FAQs here.

There are different interest rates for each card for purchases, cash advances, and balance transfers. You can find full details of the rates for each card here.

Depending on when you make your transaction, you can get up to 55 days interest free on purchases made using our Low Rate Mastercard or Platinum Mastercard if you pay your closing balance in full by the due date. Note: interest free days don’t apply to cash advances or balance transfers. You can learn more on how interest free days work here. Understanding Credit Cards.

TSB Credit Mastercards will not be offered to joint borrowers – you will only be able to apply for a TSB Credit Mastercard as an individual. You may add additional cardholders to the account - additional cardholders use their card to access the credit limit on your card account, but they are not responsible for paying the outstanding balance.

You can choose one of the following as proof of income:

• Bank statements
• Recent payslips
• Employer letter
• Employment contract
• IRD documents

We’ll need your last three months’ of bank statements to verify your expenses. If you use more than one account for your day-to-day expenses, you’ll need to supply statements for all of those accounts. This includes credit cards where you use them for your living expenses.

Before you upload them double check:

• They are PDF statements downloaded from online banking or provided by your bank.
• The heading ‘Statement’ is on the document.
• 90 consecutive days is covered for each account.
• The most recent statement is no more than 30 days old.
• If you’ve chosen to use your bank statements to verify your income, that the account your income is paid into is included.

We’re not able to accept scans, paper copies, or any other file types including transaction lists or exports.

Once you receive your new card it will be ready to go as soon as you add a PIN and activate it.

You can activate your card in online banking or your TSB app. To do so, after you’ve logged in, go to ‘Services’ and select ‘Card Manager’. Then follow the prompts to add a PIN and activate your card.

If you don’t have online banking you can contact us to arrange for your card to be activated. You can call us on 0800 872 226 Monday to Friday 8am to 6pm or Saturday to Sunday 9am to 5pm. If you’re overseas call us on +64 6 968 3700.

You can select any 4-digit number as your PIN, however your card must have a PIN that other people cannot easily guess. You could be responsible for losing money if you do not protect your card or PIN.  

To avoid this, don’t use these kinds of PIN: 

• 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 written on the card
• Parts of a landline or mobile phone number
• Parts of a driver’s licence number, or its expiry date
• A locker or alarm code.

Your TSB Credit Mastercard will be sent to the address that you provide when you apply for your card.

Your TSB Credit Mastercard can only be sent to the address that you provide when you apply for your card, not to your local TSB branch.

Your TSB Credit Mastercard will be delivered to your mailbox and is sent out inactive in an unmarked envelope or tracked courier bag. TSB has security measures in place to ensure that anyone who has the card needs to go through an identity check to be able to select a PIN and activate the TSB Credit Mastercard. 

Cards sent out via standard post usually arrive between 3-7 business days from the date your application is approved. If your card is being sent by domestic courier, it should arrive between 3-5 days from the date your application is approved. 

The only account type that can be accessed through your TSB Credit Mastercard is the credit card account. No other TSB accounts can be accessed through it.

If CHQ or SAV are pressed in an EFTPOS terminal, the transaction will be declined. The only button that should be pressed to complete a transaction using your TSB Credit Mastercard is CRD. You can also use your card in store to make contactless transactions up to a limit. If you try to make a contactless transaction in New Zealand above the current limit, you will need to sign for your transaction or enter a PIN in the usual way.

No – even if your replacement TSB Credit Mastercard has a different card number the account number remains the same.

You’ll receive a statement every month which will detail the transactions made that month using your TSB Credit Mastercard, as well as your closing balance, and your minimum payment (if you owe us money). You can also keep track of your account at any time using online banking – your TSB Credit Mastercard will show up as one of your accounts when you log in to online banking and will include transaction information.

Find out more information on how to dispute a transaction on your TSB Credit Mastercard.