Heritage Bank credit cards

Heritage Bank
Heritage Bank's overall rating for credit cards

(as rated by the Mozo community)

8.2 / 10

based on 44 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 10 December, 2016. 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.

0% p.a. for 12 months

$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

8.95% p.a. for 13 months then 16.75% p.a.

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

55

8.95% p.a. for 13 months then 16.75% p.a.

$18 $0 when you spend over $10,000 p.a, $0 in the first 1 year

55

11.80% p.a.

0% p.a. for 12 months

$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

0.001 point per dollar on Visa, uncapped

8.95% p.a. for 13 months then 16.75% p.a.

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

0.003 points per dollar on Visa, uncapped

8.95% p.a. for 13 months then 16.75% p.a.

0% p.a. for 12 months

$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

0.003 points per dollar on Visa, uncapped

8.95% p.a. for 13 months then 16.75% p.a.

0% p.a. for 12 months

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


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Frequently Asked Questions about Heritage Bank credit cards

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

    What fees might I be charged?

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

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

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

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

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

    Avoiding credit card fraud

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 8.2*

Price

Features

Customer service

Convenience

Trust

44 Reviews

* Overall rating based on reviews in the past 12 months.

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

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 (QLD), reviewed 8 months 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 (QLD), reviewed 11 months ago

Heritage Bank

Heritage Bank Classic credit card review

Overall rating   4 / 10

Non competitive, great customer service.

I have heard negative things about Heritage, it is great speaking to a person when I have a query, however they are not available 24/7 for 'emergencies' and are not very competitive when it comes to rewards

Full review

I have heard negative things about Heritage, it is great speaking to a person when I have a query, however they are not available 24/7 for 'emergencies' and are not very competitive when it comes to rewards

    Price   4 / 10

    Features   3 / 10

    Customer service   3 / 10

    Convenience   7 / 10

    Trust   2 / 10

Less

Laura (QLD), reviewed about 1 year ago

Heritage Bank

Heritage Bank credit card review

Overall rating   9 / 10

Friendly service and easy access.

I really like that Heritage gives back to the community, so my interest payments are helping my town.

Full review

I really like that Heritage gives back to the community, so my interest payments are helping my town.

    Price   9 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Cheryl (QLD), reviewed over 1 year ago

Heritage Bank

Heritage Bank Platinum credit card review

Overall rating   5 / 10

Once upon a time banking was easier

Heritage was a local building society that were good with lots of mini branches. Went to a bank and closed all the mini branches and now longer waiting time in the bank, rarely happened at a mini branch service. Was friendly, not so now.

Full review

Heritage was a local building society that were good with lots of mini branches. Went to a bank and closed all the mini branches and now longer waiting time in the bank, rarely happened at a mini branch service. Was friendly, not so now.

    Price   5 / 10

    Features   5 / 10

    Customer service   5 / 10

    Convenience   2 / 10

    Trust   2 / 10

Less

Monica (QLD), reviewed over 1 year ago

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Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

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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