Shop when and where you want 

With no annual card fee you can live life in the moment and manage your money wherever life takes you. At SBS Bank we have simple and practical tools to make everyday money management simple and convenient. So whether it’s paying bills, saving, shopping online, buying lunch or travelling overseas, it’s easy.

With your SBS Bank Debit Mastercard®, you’ll pay no annual card fee and can make purchases in-person and online around the world. Payments are made directly from your account, so you always know how much money you have left. You’re using your own money, so there are no Credit Card interest rates or bills at the end of the month. Just a flexible way to make payments in your pocket. It’s safe, convenient and easy.

On the go 

Use your Debit Mastercard® to pay for things using Eftpos at retailers across New Zealand. With Mastercard® contactless technology you can also choose to use Tap & Go™ for payments up to $80 without having to swipe the magnetic strip or insert the chip on your card. 


Use your Debit Mastercard® to pay online for clothing, travel, movie tickets and much more. You can use your Debit Mastercard® on any website which accepts Mastercard. 

Around the world

Please advise us if you're going overseas, where you'll be travelling, how long for and how we can contact you while you're away. We can’t guarantee that things will always be perfect, so we recommend our members travel with more than one method of payment, just in case.

Safe and secure

Shop with confidence, your SBS Bank Debit Mastercard® has chip and PIN protection. Due to increasing fraud, some transactions may be declined to protect your funds. At times, this may limit your ability to complete transactions at some merchants (EFTPOS terminals), and ATMs. If you are making a legitimate transaction online or in store that is declined please contact us immediately by phone 0800 727 2265, or +64 3 211 0700 overseas or otherwise using Secure Message.

Important information 

Currency Conversion Charges apply to international transactions including with online merchants. Account opening and card eligibility criteria, fees and charges, terms and conditions apply. Mastercard® and the Mastercard® brand mark, are registered trademarks of Mastercard International Incorporated. Tap & Go™ is a trademark of Mastercard International Incorporated.View our current fees and charges, along with copies of our Debit Mastercard® Card, and General Terms and Conditions.