Just curious. I'm not an Android user but wanting to know the end user experienced between the two.
ASB Virtaul creates a virtaul credit card which is linked to the nfc on your phone or watch (fitbit)
Android pay you reg your current card into android pay if your bank supports it.
They both do the same thing just different ways of doing it. I guess asb when this way as they control it and android pay was not ready for NZ at the time ASB did it