Heritage Bank credit cards

Heritage Bank
Heritage Bank's overall rating for credit cards

(as rated by the Mozo community)

8.0 / 10

based on 129 reviews

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.

Rates and fees verified as correct at 16 November, 2018. Other information correct at the time of writing.

What credit cards do Heritage Bank offer?

Low rate credit cards 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

11.80% p.a.

No current offer

$0

0


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Low fee credit cards 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

17.99% p.a.

No current offer

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

55

11.80% p.a.

No current offer

$0

0


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Rewards credit cards 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

17.99% p.a.

No current offer

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

0.002 points per dollar on Visa, uncapped

17.99% p.a.

No current offer

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


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Prestige cards 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

17.99% p.a.

No current offer

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


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**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.

Heritage Bank credit cards

Overall 8.0

Price

Features

Customer service

Convenience

Trust

128 Reviews

Recent Heritage Bank credit card reviews Recent Heritage Bank credit card reviews

Heritage Bank

Heritage Bank Classic credit card review

Overall rating   9 / 10

Excellent and local customer service

Heritage Bank is great. They are local and their customer service representatives are local. They seem to be a no frills bank, that is focused on customer service. I would rate every single phone call I've had with them as a ten out of ten, ...

Full review

Heritage Bank is great. They are local and their customer service representatives are local. They seem to be a no frills bank, that is focused on customer service. I would rate every single phone call I've had with them as a ten out of ten, except for one girl who probably needed more training. I would recommend them to anyone.

    Price   8 / 10

    Features   6 / 10

    Customer service   9 / 10

    Convenience   7 / 10

    Trust   10 / 10

Less

Este, Queensland, reviewed 9 months ago

Heritage Bank

Heritage Bank Classic credit card review

Overall rating   3 / 10

I wouldn't recommend my bank

I need another bank card

Full review

I need another bank card

    Price   4 / 10

    Features   0 / 10

    Customer service   4 / 10

    Convenience   3 / 10

    Trust   3 / 10

Less

Beau, Queensland, reviewed 9 months ago

Heritage Bank

Heritage Bank Platinum credit card review

Overall rating   10 / 10

Very good provider

very good bank

Full review

very good bank

    Price   10 / 10

Less

Gary, Queensland, reviewed over 1 year ago

Heritage Bank

Heritage Bank credit card review

Overall rating   7 / 10

Always helpful.

Always helpful from day 1, 13 years ago. Appreciate rewards program attached to credit card usage, a great incentive.

Full review

Always helpful from day 1, 13 years ago. Appreciate rewards program attached to credit card usage, a great incentive.

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   7 / 10

Less

Andrew, Queensland, reviewed over 2 years ago

Heritage Bank

Heritage Bank Platinum credit card review

Overall rating   10 / 10

Great options and features on all products

Heritage have always had competitive rates and great options and features on their products.

Full review

Heritage have always had competitive rates and great options and features on their products.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Katherine, Queensland, reviewed almost 3 years ago

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

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