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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.
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Last updated 13 December 2024
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Important disclosures
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This table shows a range of products, and we may receive payment if you use the links provided. It does not show all providers or all products from the providers. Mozo is paid a fee by the product issuer if you use a link on our site to go to their site from ours, make an inquiry, or you take out a product with them. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo. You do not pay any extra for using our service.
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Products are initially shown with ‘Promoted’ products at the top that we have chosen to advertise more prominently. The table beneath lists products that meet the information in the filter, sorted according to estimated repayments for loans, and interest rates for deposits. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Heritage Bank credit cards
Gold Low Rate
Purchase rate
11.80
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 11.80% p.a.
Annual fee
$0
Rewards program
-
No Partner link
Purchase rate
11.80
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 11.80% p.a.
Annual card fee
$0
Intro fee
-
Interest free days on purchases
Up to 0
Cash advance rate
11.80% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Interest free days
Up to 0
Cash advance rate
11.80% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Minimum credit limit
$1,000.00
Minimum repayment amount
$30.00
Additional cardholders
2
Supplementary card fee
$0.00
Payment options
Apple Pay, Google Wallet, Samsung Pay
Rewards program
-
Rewards schemes
-
Rewards bonus points
-
Rewards description
-
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
-
Other benefits
-
Other restrictions
$7.50 per card for the 3rd and subsequent supplementary cards.
Classic
Purchase rate
17.99
%
p.a.
Balance transfer rate
No current offer
Annual fee
$55
Rewards program
Heritage Credits
No Partner link
Purchase rate
17.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
No current offer
Annual card fee
$55
Intro fee
-
Interest free days on purchases
Up to 55
Cash advance rate
19.99% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Interest free days
Up to 55
Cash advance rate
19.99% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Minimum credit limit
$1,000.00
Minimum repayment amount
$30.00
Additional cardholders
2
Supplementary card fee
$0.00
Payment options
Apple Pay, Google Wallet, Samsung Pay
Rewards program
Heritage Credits
Rewards schemes
0.00077 points per dollar on Visa, uncapped
Rewards bonus points
-
Rewards description
Every whole $1,300 spent per calendar month receives 1 credit point for that month. Redeem your points for gift cards, retail rewards and shopping gift cards.
Rewards flight options
-
Rewards instant discounts
-
Rewards special offers
-
Rewards privileges
-
Other benefits
$0 annual credit card fee when you spend $25,000/year and over on Visa Purchases.
Other restrictions
$7.50 per card for the 3rd and subsequent supplementary cards.
Platinum
Purchase rate
17.99
%
p.a.
Balance transfer rate
0.00
%
p.a.
For 12 months and then 19.99% p.a.
Annual fee
$125
$0 when you spend $35,000/year and over.
Rewards program
Heritage Credits
No Partner link
Purchase rate
17.99
%
p.a.
Intro purchase rate
-
Balance transfer rate
0.00
%
p.a.
For 12 months and then 19.99% p.a.
Annual card fee
$125
$0 when you spend $35,000/year and over.
Intro fee
-
Interest free days on purchases
Up to 55
Cash advance rate
19.99% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Interest free days
Up to 55
Cash advance rate
19.99% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Minimum credit limit
$6,000.00
Minimum repayment amount
$30.00
Additional cardholders
2
Supplementary card fee
$0.00
Payment options
Apple Pay, Google Wallet, Samsung Pay
Rewards program
Heritage Credits
Rewards schemes
0.002 points per dollar on Visa, uncapped
Rewards bonus points
-
Rewards description
Every whole $1,500 spent per calendar month receives 3 credit points for that month. Redeem your points for gift cards, retail rewards and shopping gift cards.
Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Disclaimer
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We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
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Important information on terms, conditions and sub-limits
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