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Heritage Bank

Earn Heritage Credits as you spend and redeem them for gift cards, retail items and charity donations

Heritage Bank Classic

Balance transfer

Not Available

Purchase rate

17.99%

Annual fee

$55 per year

The Heritage Bank Classic Visa has a $55 annual fee that’s waived when you spend at least $25,000 on purchases. It also offers 1 Heritage Credit for every $1,300 you spend on purchases in each calendar month, with the potential to earn more if you have other eligible Heritage Bank accounts.

Highlights

The Heritage Bank Visa Classic Credit Card has a low annual fee, limits starting from $1,000 and up to 55 days interest free* on Visa purchases.

This is one of the few cards to offer an annual fee waiver each year, with a spending requirement that works out to be an average of $2,084 per month (rounded to the nearest dollar).

If you already have accounts that earn Heritage Credits, this card could also help you earn rewards faster.

Main features

Rate type	Rate %	Duration
Balance transfers	-	-
Purchases	17.99% p.a.	-

Fees

Fee type	Fee %	Min fee $
Cash advances	2%	$2.5

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	$55	per year
Monthly fee	-	-

More information

Heritage Bank Classic Visa credit card has the following features:

Credit limits from $1,000
Up to 55 days interest free on Visa Classic purchases
Earn one (1) Heritage Credit for every $1,300 spend per calendar month
Monthly repayments at 3% of balance or $30, whichever is greater
Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch
Balance enquiries and cash advances at Heritage ATM's
Shop with confidence with Visa's Zero Liability policy
Set up your digital wallet to make secure payments on the go
Access to Visa Offers + Perks
Online shopping secured with Visa

Terms & conditions

Heritage Credit is on Visa purchases only. Excludes cash advances, interest charges, credit fees and charges, disputed transactions, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, bill payments using BPAY® or utility bills paid over the counter at a financial institution at Bank@Post outlet.

Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts.

All loans and credit cards are subject to application and approval. Conditions, criteria and fees apply.

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