8.4 / 10

based on 1601 reviews as rated by Mozo community

Heritage Bank credit cards

Heritage Bank is Australia's largest customer-owned bank - so they know customers like the back of their hand! If you’re after a cost effective way to add a piece of plastic to your wallet, check out all the details of Heritage Bank’s credit cards below.

What credit cards do Heritage Bank offer?

Rates and fees verified as correct at 28 January, 2021. Other information correct at the time of writing. Advertiser disclosure.

Low rate credit cards

The less you pay in interest, the more you have left over for a shopping spree, holiday or to stick in your rainy day fund, right? Check out a low rate credit card from Heritage Bank and even if you tend to carry a balance from month to month, you can minimise the damage interest is doing to your savings pile!

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

10.80% p.a.

0% p.a. for 12 months and then 10.80% p.a.

$0

0

Low fee credit cards

Why pay more than you have to for the convenience of a credit card? The options on offer from Heritage Bank are also low rate offers, which means even if you sometimes miss a payment or two, these cards are an affordable addition to your wallet.

Product Purchase rate Balance transfer rate Annual fees Interest free days on purchases

16.99% p.a.

No current offer

$55 $0 when you spend over $25,000 p.a

55

10.80% p.a.

0% p.a. for 12 months and then 10.80% p.a.

$0

0

Rewards credit cards

If you're looking for a low cost rewards card option, then Heritage Bank has you covered. Just don't expect these cards to pack the kind of earning power their more expensive cousins do!

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.00077 points per dollar on Visa, uncapped

16.99% p.a.

No current offer

$55 $0 when you spend over $25,000 p.a

0.002 points per dollar on Visa, uncapped

16.99% p.a.

0% p.a. for 12 months and then 18.99% p.a.

$125 $0 when you spend over $35,000 p.a

Prestige cards

Looking for a premium credit card that won’t break the bank? The offering from Heritage Bank may be the one for you. This card has all the perks of other rewards cards, without the hefty price tag. But it isn’t all roses - in return for the low cost of this premium option, you’ll sacrifice some of that rewards earning power with a lower points return for your spending.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.002 points per dollar on Visa, uncapped

16.99% p.a.

0% p.a. for 12 months and then 18.99% p.a.

$125 $0 when you spend over $35,000 p.a

**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Heritage Bank credit cards

How many interest free days will I get with a Heritage Bank credit card?

First things first, if you’re opting for the low rate gold card, you don’t get any interest free days. Which is a shame, because making the most of the interest free period on your credit card is one of the best ways to keep your balance under control.
For all the other cards you’ll get a cruisy period of up to 55 days to pay for your purchases before being charged interest.

What fees might I be charged?

Not that many! Although most of the credit cards on offer from Heritage Bank come with an annual fee, you can cancel it out by hitting minimum spend limits and use your card entirely free of annual fees. You won’t be so lucky with others, like cash advance or foreign exchange fees, although the good news is they’re pretty reasonable anyway.

What’s the minimum payment I need to make on my Heritage Bank credit card?

Your monthly credit card statement will show you the minimum amount you need to pay off your bill - for Heritage Bank credit cards, it will be either $30 or 3% of your balance, whichever is highest. But keep in mind that this is just the bare minimum of what you should pay - we highly recommend you pay off as much as you can from your credit card statement as soon as you can. That way, you can avoid paying interest or late payment fees and stay on top of your credit card balance

Can I use my Heritage Bank credit card for a balance transfer?

If you’re looking to manage your credit card balance with a balance transfer offer, you’ll want to opt for either the gold or platinum credit card offering from Heritage Bank. You’ll get a 0% interest period in which to pay off the balance, making it that much easier to cut down on debt.

Keep in mind that any balance you haven’t paid off by the end of that period will then be charged interest at the cash advance rate. The good news is that unlike a lot of credit cards, that rate is not too steep on a Heritage Bank credit card. Even so, if you can avoid paying interest, why would you?

Want to know more about balance transfers? Visit our handy guide.

Can I use contactless payment with my Heritage Bank credit card?

Of course! Credit cards from Heritage Bank work on the VISA network, which means you can use payWave for all your little transactions. Read more about contactless payment here.

Can I use my Heritage Bank credit card while I’m travelling overseas?

Another good thing about your Heritage Bank credit card working on the VISA network? You can use it wherever VISA is accepted, which these days, is pretty much worldwide.

What kind of rewards and bonuses does my Heritage Bank credit card offer?

Looking for some freebies? Check out a Heritage Bank classic or platinum credit card for all your rewards needs. Although, if you’re a fan of the usual credit card reward programs, a Heritage Bank credit card ma not be for you, as they have their own unique rewards program. With these cards, you’ll earn Heritage Credits for every $1,000 you spend per month. Platinum credit card holders will earn 3 credits per $1,000, while classic cardholders will earn 1 credit.

Keep in mind that when redeeming, you have to use up 5 credits at once, and your credits will expire after 3 years. You can redeem credits for a range of products from the Heritage Bank store, or gift cards from retailers like Myer, Target, David Jones and JB Hifi. 

Avoiding credit card fraud

If you are the victim of credit card fraud, then you're protected by Heritage Bank from unauthorised transactions to a certain extent. If your credit card is used without your knowledge or permission, you can only be charged the least amount out of:

The actual amount lost

The balance of your account, including any pre-arranged credit

$150

But there are a few things you can do to make using your credit card safer. Try these few simple tips to help limit the risk of credit card fraud:

Be wary when giving out credit card details online - look for secure or well-known websites.

Memorise your PIN and don’t write it down!

Be observant when you use your card - don’t let cashiers take it out of your sight, and when using an ATM, be aware of your surroundings.

Review your statement regularly for unusual activity.

How are Heritage Bank credit cards rated?

Mozo users have rated Heritage Bank credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of credit-cards
Heritage Bank credit cards
Overall
8.0/10
Price
Features
Customer service
Convenience
Trust

134 Reviews

Recent Heritage Bank credit card reviews

Heritage Bank Platinum review
Overall 1/10
No such thing as insurance with this company

Unauthorized money was taken out from my credit card which was just under $3000. I filed a dispute and they told me not to pay the amount and that they will get it sorted. A month later they called me to tell me they've taken out $100 for overdue fees but they could not call me to tell me that they squashed the case after a week because they threw it in the too hard basket. Now they are asking me to pay the almost $3000 amount. I will be making a formal complaint to the AFCA and hopefully speaking to solicitors this Tuesday. There is no point in having a credit card because your money is not safe with the,. I've been a loyal client for over 20 years and this not the first time they have screwed me. But enough is enough and I'll be taking me money elsewhere. Absolutely disgusted!

Read full review

Unauthorized money was taken out from my credit card which was just under $3000. I filed a dispute and they told me not to pay the amount and that they will get it sorted. A month later they called me to tell me they've taken out $100 for overdue fees but they could not call me to tell me that they squashed the case after a week because they threw it in the too hard basket. Now they are asking me to pay the almost $3000 amount. I will be making a formal complaint to the AFCA and hopefully speaking to solicitors this Tuesday. There is no point in having a credit card because your money is not safe with the,. I've been a loyal client for over 20 years and this not the first time they have screwed me. But enough is enough and I'll be taking me money elsewhere. Absolutely disgusted!

Price
1/10
Features
1/10
Customer service
1/10
Convenience
1/10
Trust
1/10
Less
Jeff, Queensland, reviewed 13 days ago
Heritage Bank Credit Card review
Overall 10/10
People first bank and great customer service.

I love Heritage Bank as it is owned by its members and very competitive against other big banks. I recommend Heritage Bank to all my family & friends.

Read full review

I love Heritage Bank as it is owned by its members and very competitive against other big banks. I recommend Heritage Bank to all my family & friends.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Helen, Queensland, reviewed 5 months ago
Heritage Bank Credit Card review
Overall 10/10
Can phone the bank and get a real person to answer

Convenience. Real people to talk to who are very willing to help. Service is great.

Read full review

Convenience. Real people to talk to who are very willing to help. Service is great.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Colleen, Queensland, reviewed 12 months ago
Heritage Bank Platinum review
Overall 10/10
A bank run with real people.

If you want one on one contact, personal banking, go to Heritage.

Read full review

If you want one on one contact, personal banking, go to Heritage.

Features
8/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Colleen, Queensland, reviewed about 1 year ago
Heritage Bank Classic review
Overall 9/10
No account fee and great customer phone service

You get personalised service and they are easily accessible either by phone or in bank. Website is easy to navigate with your secure password not being able to be saved. App friendly with easy accessibility. Branches at main shopping centres are easy to get to, with others a little more difficulty but there is parking close by.

Read full review

You get personalised service and they are easily accessible either by phone or in bank. Website is easy to navigate with your secure password not being able to be saved. App friendly with easy accessibility. Branches at main shopping centres are easy to get to, with others a little more difficulty but there is parking close by.

Price
8/10
Customer service
9/10
Convenience
9/10
Trust
9/10
Less
Janet, Queensland, reviewed about 1 year ago

What do you need to apply for a Heritage Bank credit card?

You can apply for a Heritage Bank credit card either over the phone, online or in a branch. You’ll need to be at least 18 and a permanent Australian resident. You’ll also need to have your financial details on hand - including your employment and salary details, details on any assets you have, or debts you owe.

For more information on applying for a credit card, check out our handy guide.

Credit card quick links