The SBS Visa Credit Card

Enjoy no annual fees and receive cash back rewards by simply using your card on everyday purchases



Enjoy the credit card that works harder for you

Shop in-store or online, anywhere Visa is accepted to earn cash back. It's as simple as that. You'll earn $1 for every $150 spent on Eligible Transactions* while enjoying the benefits of no annual card fee and online access 24/7 and a competitive interest rate (Credit Card Conditions of Use, and Fees and Charges apply, view details here). You can also view more information in our brochure, click to view this here.

No Annual Card Fee

No need to budget for an annual card fee.  The SBS Visa Credit Card has no annual fee.

Earn Cash Back Rewards

You'll earn $1 for every $150 spent on Eligible Transactions*.

Up to 55 days Interest Free

Get up to 55 days Interest Free on your purchases when paying off your full balance each month.

Visa payWave

Your SBS Visa Credit Card uses Visa payWave, a secure contactless payment technology which helps you spend less time at the check-out with no need to enter your PIN for purchases under $80 NZD.

Verified by VISA

Your SBS Visa Credit Card is protected by "Verified by Visa" which is an additional security feature for online shopping at participating sellers.

24/7 Access to your Account

Access your account 24/7 with SBS Bank Internet Banking and Mobile App. Our Contact Centre is also available for you to report lost or stolen cards on 0800 727 2273 or +64 9 623 7554.

*Please refer to the SBS Bank Credit Card Conditions of Use for full details

Fees and Charges

  • Purchase interest rate               18.5% p.a.
  • Cash advance interest rate       21.5% p.a.

There are additional fees which also apply to the Credit Card, a full list of our interest rates, fees and charges can be found here and these are subject to change.

Eligibility Criteria

Key applicant eligibility criteria for an SBS Visa Credit Card include:

  • Being 18 years or older;
  • Being a New Zealand citizen or permanent resident living in New Zealand;
  • Evidence of earning or receiving a regular income; and
  • Having one of the following current valid forms of identification:
    • NZ Passport
    • NZ Driver Licence; or
    • Overseas Passport

Additional Lending and eligibility criteria apply.

Frequently Asked Questions

Important Information

The SBS Bank Visa Credit Card is issued by SBS Money Limited a 100% Subsidiary of SBS Bank.

SBS Visa Credit Card Conditions of Use apply, are subject to change and can be found here or alternatively are available on request and free of charge from any branch of SBS Bank.

A copy of the current Southland Building Society (SBS Bank) Disclosure Statement along with our Term Investment Terms & Conditions and QFE Adviser Disclosure Statement are available on request and free of charge from any branch or agency of SBS Bank or on this website
© Southland Building Society, 2016