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Heritage Bank Gold

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credit cards

Purchase rate
16.75%
Balance transfer rate
Annual card fee
$36.00
Interest free days
25

Purchase rate
16.75%
Balance transfer rate
Annual card fee
$90.00
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
$32,000

$100 cash back
$37,500

Points are capped?
No

Points expire?
36 months

Details behind our 'value of rewards' calculations

Points earning 0.002 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: $36.00
Introductory fee: none
Annual fee spend threshold: 20000
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: $90.00
Introductory fee: none
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 2 credits 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.