Looking for a credit card that gives you the convenience of paying in whatever way you want? Introducing the Heritage Bank Classic credit card, with the option to pay for products using your smartphone, along with up to 55 interest free days.
If you’re someone who will spend over $25,000 per year on your credit card, the Heritage Bank Classic card rewards you with a $0 annual fee, although if you’re a rewards lover, this card may not pack the punch you’re after.
Starting with credit card basics, the Heritage Bank Classic card has a 17.99% p.a. purchase rate, 55 interest free days, and a $55 annual fee which drops down to $0 if you spend over $25,000 a year.
And if you love shopping without having to carry the physical card with you, the Heritage Bank Classic card allows you to purchase items using Google Pay, PayID, Samsung Pay and Garmin Pay.
The Heritage Bank Classic credit card also has a rewards program, although it isn’t the star of the show, with each dollar spent on Visa earning you 0.00077 points, without any cap. Once you accrue 64 points (an $83,117 spend on Visa), you’ll have enough for a $100 gift card . But bear in mind the points will expire after 36 months.
The Heritage Bank Classic card is a good choice for big spenders who want more options for how they pay for their goods: whether with their physical card, with their phone or with cash.
While you can share your Heritage Bank Classic credit card with two other people without additional costs, there’s a fee of $7.50 per card if you want more than two. Plus, don’t forget that if you don’t meet the $25,000 annual spend, you’ll pay a $55 annual fee.
Rates and fees information correct as at 24 April 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
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64 points
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0.00077 points per dollar on Visa, uncapped
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.
Spend $83,117 (Visa)
Uncapped
36 months
|
17.99% p.a. |
|
|
none |
|
|
No current offer |
|
|
none |
|
|
19.99% p.a. |
|
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55 |
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$55.00 |
|
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none |
|
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$25,000.00 |
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none |
|
|
$20.00 |
|
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2%, Min $2.50 |
|
|
3.00% |
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|
$7.50 |
|
|
$12.00 |
|
|
$0.00 |
|
$30.00 |
|
|
3.0 |
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|
2 |
|
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$7.50 per card for the 3rd and subsequent supplementary cards. |
Apple Pay, Google Wallet, Samsung Pay
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 reviewYou 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.
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.
Read full reviewHeritage 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.
I need another bank card
Read full reviewI need another bank card
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
Read full reviewI 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
The bank charges for any transactions over 10 each month.
Read full reviewThe bank charges for any transactions over 10 each month.
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70,000
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Qantas Premium Card
Qantas Frequent Flyer
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NAB Rewards
$295 $145 in the first year
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Qantas Discovery Card
Qantas Frequent Flyer
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0.75 points uncapped
Velocity Escape Card
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0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
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Low Rate Card
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13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
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20.74% p.a.
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More Mastercard
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$100
Bankwest More Rewards
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13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
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8.99% p.a.
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13.49% p.a.
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12.99% p.a.
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$99
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8.99% p.a.
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No current offer
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StraightUp Card
n/a
No current offer
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