TSB Credit Cards

TSB Bank is a New Zealand bank providing credit cards, accounts, loans, insurance and investments. It is Canstar’s 2026 Bank of the Year | Credit Cards.
 

Bank of the Year | Credit Cards

For the fourth year in a row, the winner of Canstar’s Bank of the Year | Credit Cards Award is the TSB.

Once again our research shows that TSB leads the field in low-rate and rewards cards, plus the bank earned great feedback in our consumer satisfaction survey, encompassing over 3000 credit card users, across features including customer service, fees and online banking.

TSB’s low rate card: TSB offers the lowest purchase interest rate in the market (11.95% p.a.), and leads in card features thanks to digital wallets and Apple and Google Pay.

TSB’s rewards card: TSB’s Platinum Mastercard delivers a competitive cashback of $1 for every $100 spent on eligible purchases, for an annual fee of $90.

TSB’s Award Winning Credit Cards

TSB offers two great credit card options:

TSB Low Rate Mastercard

Features:

  • Balance transfer of 0% for six months
  • Mobile phone protection*
  • Up to 55 days interest free

Fees and charges:

  • $20 annual fee
  • Additional card: $5 p.a.
  • Purchase & cash advance interest rate: 11.95% p.a.

TSB Platinum Mastercard

Features:

  • $1 cashback for every $100 spent on eligible purchases
  • Mobile phone protection*
  • Price protection*
  • Purchase protection*
  • Domestic & overseas travel insurance*
  • Up to 55 days interest free

Fees and charges:

  • $90 annual fee
  • Additional card: $5 p.a.
  • Purchase interest rate: 20.95% p.a.
  • Cash advance interest rate: 22.95% p.a.

*Exclusions, Ts&Cs apply


Canstar’s free comparison tool gives you the ability to compare TSB credit card products with those from other lenders in the credit card market. For more details, just click on the button below.

Compare Credit Cards with Canstar

TSB Credit Cards

Canstar Research
Rating:
Award: Bank of the Year Credit Cards

Low Rate & Rewards Cards

Low Rate & Platinum Mastercard

View the latest Credit Card Awards

Written by: Bruce Pitchers | Last updated: March 26, 2026