Heritage Bank Credit Cards

Heritage Bank is the largest customer-owned bank in Australia. As a mutual society, every customer is a member, and every member owns a share of the bank. Heritage Bank members continually gets access to credit cards with great deals and rates, while communities all around Australia get a fair go by getting access to financial services through Heritage Bank’s Community Bank Centres. Heritage Bank is a champion of the notion of a ‘community bank’.

Comparison of Heritage Bank Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Heritage Bank Gold Low Rate Credit Card	Purchase rate p.a. 11.8%	Bonus points N/A	Points per $ spent N/A	Interest-free period	Balance transfer rate p.a. 0% for 12 months with 0% balance transfer fee, then 11.8%	Annual fee $0	More Info Compare	Enjoy 0% p.a. for 12 months on balance transfers and $0 annual fee for the life of the card. Plus, access to exclusive Visa Offers and Perks.
Heritage Bank Platinum Credit Card Heritage Credit Rewards	Purchase rate p.a. 17.99%	Bonus points N/A	Points per $ spent 0	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. 0% for 12 months with 0% balance transfer fee, then 19.99%	Annual fee $125	More Info Compare	Save with a 0% p.a. for 12 months on balance transfers and earn Heritage Credits for your spending. Plus, access to complimentary insurance.
Heritage Bank Classic Visa Credit Card Heritage Credit Rewards	Purchase rate p.a. 17.99%	Bonus points N/A	Points per $ spent 0	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $55	More Info Compare	Receive up to 55 days interest-free on purchases and a waived annual fee when you meet the spend requirement.
Heritage Bank Business Visa Credit Card	Purchase rate p.a. 12.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 40 days on purchases	Balance transfer rate p.a. N/A	Annual fee $45	More Info Compare	Save with a 12.95% p.a. interest rate and up to 40 days interest-free on purchases, plus you get one free replacement card per year.
Heritage Bank Business Visa Secured Credit Card	Purchase rate p.a. 10.65%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 40 days on purchases	Balance transfer rate p.a. N/A	Annual fee $45	More Info Compare	Take advantage of up to 40 days interest-free on purchases and the ability to set individual monthly spend limits.

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Types of credit cards from Heritage Bank

Heritage Bank offers credit cards in the low rate, classic, and platinum credit card categories. Compared to other credit card providers, Heritage Bank credit cards don’t exactly fit with what we’ve come to expect. They offer a low rate gold credit card, for example, which charges no annual fee. Read more about the different types of Heritage Bank credit cards below.

• Low rate credit cards

Low rate credit cards can be an option for you if you plan on paying back when you spend on the card over a couple of months. Usually, these cards come with an annual fee and ‘up to’ interest-free days on purchases. The Heritage Bank Gold Low Rate Credit Card doesn’t offer any interest-free days on purchases, but you won’t pay any annual fee to own the card.

• Standard credit cards

Whereas low rate credit cards are just suited to ‘revolvers’ — people who just make the minimum monthly repayment — standard credit cards are mid-level products that are suited to most types of borrowers. The annual fee is a little higher than low rate credit cards, but sometimes banks will sweeten the deal by charging no annual fees in the first year you have the credit card.

• Platinum credit cards

Platinum credit cards are the ‘king of the castle’. As you get to earn rewards points, benefit from free insurance and personal concierge service, you can expect to pay more for a platinum credit card, but there’s a greatest range of value-adding features on offer.

The benefits of banking with Heritage Bank

There are some unique and fun features of Heritage Bank credit cards that make using your card a rewarding experience.

• Use your Heritage Bank credit card at big four banks ATMs

You can use your Heritage Bank credit card for free at any Heritage Bank ATM and any of the big four banks ATMs, including ANZ, Westpac, NAB and Commonwealth Bank. You won’t have to look far to avoid ATM fees.

• Heritage Bank credit cards mobile payments

Leave your Heritage Bank credit card at home. You can now use your smartphone to make purchases using Cash by Optus. Load your smartphone with cash from your Heritage Bank credit card so you can make purchases at Visa payWave terminals. You need an Optus postpaid mobile plan, a Heritage Bank credit card and an Android smartphone to make mobile payments. You can even make payments when your phone battery is flat. Once you download the Cash by Optus App, you can view transactions in real time. The App also lets you shop online with a virtual Heritage Bank Visa card.

These cards also allow you to make contactless payments with your compatible phone or device when you link your card to either Google Pay, Samsung Pay, Apple Pay, Fitbit Pay, or Garmin Pay.

How to apply for a Heritage Bank credit card

The fastest and easiest way to apply for a Heritage Bank credit card is to complete the credit card application online. Follow the 'Go to Site' links in our comparison table to be directed to the Heritage Bank website and a secure online application. A Heritage Bank credit card application will only take ten to fifteen minutes to complete, and you can save your progress and return to the application at any time. You can read more about the application requirements on our Heritage Bank credit card review pages.

Eligibility criteria

• Residency. You must be an Australian citizen or permanent resident.
• Age. Applicants must be at least 18 years or older.

Required information

You'll need the following on hand when you start an online application for a Heritage Bank credit card:

• Personal information. You'll need to enter information about yourself like your name, contact numbers, residential address, marital status, date of birth, number of dependent children and contact information for a family member who is not living with you.
• Identification requirements. Provide your driver’s licence number so Heritage Bank can verify your identity.
• Employment and income. Answer the following questions about your employment status. List your current employment situation — employed, unemployed, self-employed or retired — how long have you been in the status of employment and what your previous employment situation was prior to this. List other forms of income like whether you get any money from shares or rental property.
• Expenses and liabilities. List information about your ongoing expenses. Provide details about your weekly food budget, whether you have any loans like credit cards or personal loans and your current living situation.

Frequently asked questions

Have a look for an answer to the most frequently asked questions about Heritage Bank credit cards below. If you can’t what you’re looking for, get in touch with us using the form at the bottom of the page.

• How can I make a repayment to my Heritage Bank credit card?

  Check your Heritage Bank credit card statement for a full list of ways you can repay your Heritage Bank credit card. Some of the common ways you can make a repayment to your account include:

  • At a branch. Take your Heritage Bank credit card statement to your nearest Heritage branch and make a credit card payment using cash or EFTPOS.
  • BPAY. Pay your account from another bank’s online banking facility using BPAY. Your customer reference number is your 16-digit credit card number and the biller code is displayed on your credit card statement.
  • Cheque. Your Heritage Bank credit card statement has a tear off section you can send in with a cheque if you prefer to pay your credit card this way. Allow extra time for the cheque to be sent in the mail and for the transaction to be processed.

• How do I register for Heritage Bank online banking?

  Online banking makes it easy to manage and review your account so you can keep an eye out for fraudulent use and make payments to other accounts. Heritage Online is the online banking facility for Heritage Bank members. You can set up Heritage Online by calling the bank, by visiting a Heritage Bank branch or by completing and faxing in a Heritage Online application form.

  Once you’re set up with Heritage Online, you can bring the online banking experience to your smartphone by downloading the Heritage Online smartphone APP.

• How do I get an additional card for a family member?

  You can request an additional credit card for a family member when you apply for a Heritage Bank credit card online. If you’re an existing Heritage Bank customer, you can add an additional card to your account by completing and sending in an additional Visa card request form, which is available from the Heritage Bank website.

• How is my Heritage Bank credit card protected from fraud?

  Whether you’re shopping online or over the counter, rest assured that your Heritage Bank credit card is protected from unauthorised use. When shopping online your account is protected by Visa Secure, which is an extra password you have to enter to complete online transactions.

  Online transactions are also protected by the Visa Zero Liability Policy. This policy gives you a money back guarantee if you’re the victim of credit card fraud. The Visa Zero Liability Policy also extends to transactions made over the counter. This includes contactless payments using the Visa payWave feature and the Cash by Optus payment method.

  Additionally, your account is monitored in real time for fraudulent transactions. If a transaction shows up that doesn’t fit your usual spending patterns, Heritage Bank will attempt to contact you to confirm the transaction. In some cases, if you can’t be contacted, a hold will be placed on your account preventing further use of the credit card.

• Who do I call if I think someone is using my Heritage Bank credit card without my permission?

  If you believe someone is using your credit card without your permission, call Heritage Bank, and you may even need to speak to the police. The same applies if your Heritage Bank credit card is lost or stolen. You need to call the bank right away so your card can be blocked.

• What are Heritage Member Benefits?

  Heritage Bank credit card account holders are also members and part-owners of the bank. As a member, you’re entitled to special benefits as part of Heritage’s customer loyalty program. Get discounts and preferential seating for purchases at a number of online merchants including travel offers, romantic experiences, movie tickets, comedy shows and concerts.

Written by

Sally McMullen

Producer

Sally McMullen was a creative content producer at Finder. Sally wrote about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong. See full bio