Whatever the occasion, wherever you want to shop, the SBS Visa Credit Card aims to make life even easier 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 24/7 access to your account. Credit Card Conditions of Use, and Fees and Charges apply, view details

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.

No Rewards Fee

Enjoy cash back rewards without having to pay a rewards fee.

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.

 

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.These include, but are not limited to: for cash advance, late payments, paper statements, replacement cards. 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.

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

 

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.