SBS Visa Credit Card NZ with low interest, no annual fee and rewards Kiwis actually use
Make every purchase count with a low-rate SBS Visa, no annual fee and rewards that match how Kiwis spend
Why Kiwis are picking the SBS Visa Credit Card
The SBS Visa Credit Card is fast becoming a favourite among Kiwis who want a simple, no-fuss card with real savings. With no annual fee and a clear low purchase rate, the SBS Visa Credit Card helps households manage everyday spending without nasty surprises on their statement.
Local shoppers appreciate that the SBS Visa Credit Card fits typical NZ habits—grocery runs, petrol stops, and occasional getaways—while still offering interest-free days and sensible rewards that actually add up over time.
Key features, rates and rewards that matter
The SBS Visa Credit Card offers a competitive purchase rate (around 19.65%), up to 55 days interest-free on purchases, and a cash advance rate that is clearly outlined. The no annual fee means you keep more of your money working for you rather than paying card charges.
On rewards, the SBS Visa Credit Card earns $1 for every $150 spent on eligible transactions, which stacks well for regular spending. Add in robust fraud monitoring and easy international use, and you get a card built for modern Kiwi lives.
Eligibility, documents and applying in New Zealand
To get an SBS Visa Credit Card you’ll need to show proof of income, identity and address—think payslips, IRD records or bank statements, and a passport or driver licence. Self-employed Kiwis should have recent financial statements or tax returns handy for a smooth application.
Applying online is straightforward: check your eligibility, gather documents, complete the form on the SBS Bank site and submit. The SBS Visa Credit Card application process is transparent, and customer support in New Zealand can help if anything needs clarifying.
How it stacks up and what to do next
Compared with other NZ cards, the SBS Visa Credit Card stands out for its zero annual fee and practical reward structure for everyday spending. While the purchase rate is competitive rather than the cheapest on the market, the combination of low fees, interest-free days and Kiwi-friendly rewards makes it a smart pick for many households.
If you want a reliable card that keeps costs down and still gives points back, consider the SBS Visa Credit Card. Check rates, compare with your current card and apply online or visit a branch to discuss limits and personalised options today.