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Heritage Bank Classic

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credit cards

Purchase rate
16.75%
Balance transfer rate
Annual card fee
$18.00
Interest free days
25

Purchase rate
16.75%
Balance transfer rate
Annual card fee
$48.00
Interest free days
25

Product info
Customer reviews

Currently showing:

Rewards scheme

Redeem your points for gift cards, retail rewards and shopping gift cards.
No flight rewards.

Value of rewards points

Example reward
You'd need to spend

$100 gift card
$64,000

$100 cash back
$75,000

Points are capped?
No

Points expire?
36 months

Details behind our 'value of rewards' calculations

Points earning 0.001 points per dollar on Visa, uncapped
$100 gift card 64 points buys a Myer $100 Gift Card
$100 cash back 75 points buys a $100 credit

(how did we do it? find out...)

Rates

Purchase rate: 16.75%
Intro purchase rate: 8.95% for 13 months
Balance transfer rate: none
Balance transfer term: none
Balance transfer revert to cash: none
Cash advance rate: 16.75%
Interest free days: 25

Other financial bits

Minimum repayment amount: $30.00
Minimum repayment percent: 5.0

Fees

Annual card fee: $18.00
Introductory fee: $0 in the first 1 year
Annual fee spend threshold: 10000
Reward program fee: $
Late payment fee: $20.00
Overlimit fee: $20.00
Cash advance fee: $$2.50
Foreign exchange margin: 2.50%
Duplicate statement fee: $7.50
Transaction verification fee: $20.00
Additional card fee: $0.00
Establishment fee: $0.00

Features

Additional cardholders: 2
Other restrictions: $7.50 per card for the 3rd and subsequent supplementary cards; Choose your own card design is $10 per card
Other benefits: none

Rates

Purchase rate: 16.75%
Intro purchase rate: 8.95% for 13 months
Balance transfer rate: none
Balance transfer term: none
Balance transfer revert to cash: none
Cash advance rate: 16.75%
Interest free days: 25

Other financial bits

Minimum repayment amount: $30.00
Minimum repayment percent: 5.0

Fees

Annual card fee: $48.00
Introductory fee: $0 in the first 1 year
Annual fee spend threshold: none
Reward program fee: $
Late payment fee: $20.00
Overlimit fee: $20.00
Cash advance fee: $$2.50
Foreign exchange margin: 2.50%
Duplicate statement fee: $7.50
Transaction verification fee: $20.00
Additional card fee: $0.00
Establishment fee: $0.00

Features

Additional cardholders: 2
Other restrictions: $7.50 per card for the 3rd and subsequent supplementary cards; Choose your own card design is $10 per card. Every whole $1000 spent per calendar month receives 1 credit for Heritage Credits
Other benefits: none

About Heritage Bank

Heritage is Australia's largest member-owned bank. With a history going back to 1875, Heritage helps Australians realise their financial dreams. Heritage focuses on putting people first, not pursuing massive profits. They offer customers a full range of competitive personal banking products from home loans, saving accounts, term deposits, credit cards and much more.

How are Heritage Bank credit cards rated by the Mozo community?

Product Type	Overall	Price	Features	Service	Convenience	Trust
Heritage Bank credit cards	7.3 Based on 28 Heritage Bank credit card reviews	6.8	6.6	7.7	7.7	7.8

Read Heritage Bank credit card reviews by the Mozo community

Latest reviews of Heritage Bank Classic

Heritage Bank Classic Basic *
- 16.75%
  interest rate
- $18.00
  annual fee
Heritage Bank No Frills Gold *
- 11.80%
  interest rate
- $0.00
  annual fee
More Heritage Bank credit cards

* Fees and charges are payable
Show Rates
Great customer service and comparable rates

Overall customer rating
(Reviewed about 1 month ago)

Heritage Bank has always had friendly staff who are very willing to help you and are very personable. They have plenty of branches in my town and heaps of ATMs. They also support many local fund raising events.I wouldn't consider any other bank. Full review

Heritage Bank has always had friendly staff who are very willing to help you and are very personable. They have plenty of branches in my town and heaps of ATMs. They also support many local fund raising events.I wouldn't consider any other bank.

Price

Features

Service

Convenience

Trust

Less
Heritage Bank Classic Basic credit card review by Marilyn from Queensland 2012-03-26T11:34:38+11:00

Was this review helpful?
Yes

Heritage Bank Classic Basic *
- 16.75%
  interest rate
- $18.00
  annual fee
Heritage Bank No Frills Gold *
- 11.80%
  interest rate
- $0.00
  annual fee
More Heritage Bank credit cards

* Fees and charges are payable
Show Rates
Patient and professional especially with the elder

Overall customer rating
(Reviewed about 1 month ago)

I am elderly and often become confused, and staff at Heritage are forever advising me, on which card to use for purchases, in a friendly non judgement manner. All products are carefully explained and easy to use Full review

I am elderly and often become confused, and staff at Heritage are forever advising me, on which card to use for purchases, in a friendly non judgement manner. All products are carefully explained and easy to use

Price

Features

Service

Convenience

Trust

Less
Heritage Bank Classic Basic credit card review by Marie from Queensland 2012-03-26T10:54:34+11:00

Was this review helpful?
Yes