Five years running! This is getting embarrassing ... Canstar has just awarded us 'Best Value Rewards Credit Card' in New Zealand - for the fifth year in a row!

Switch to the best value rewards card in New Zealand between 16 April until 14 May 2024 and we’ll give you a $100 Cash Back kick start. SBS Visa Credit Card Special Offer Terms and Conditions apply for this offer and can be found here on our website at


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.

Contactless Payment

You can use your SBS Visa Credit Card to make Contactless Payment.   Contactless payment is a secure technology that will help you spend less time at the check-out with no need to enter your PIN for purchases $200 NZD and under.

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.

No Additional Cardholder Fees

Add a family member as an Additional Cardholder on your Card Account at no additional cost, as long as they’re at least 18 years or older. You can download the Additional Cardholder application form by clicking here.


Fees and Charges

  • Purchase interest rate               19.65% p.a.
  • Cash advance interest rate       22.65% 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 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.