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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 17 July 2025
Important disclosures
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
Minimum credit limit
$1,000.00
Minimum repayment amount
$30.00
Minimum repayment percentage
3.00%
Additional cardholders
2
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay, 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
Minimum credit limit
$1,000.00
Minimum repayment amount
$30.00
Minimum repayment percentage
3.00%
Additional cardholders
2
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay, 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
Minimum credit limit
$6,000.00
Minimum repayment amount
$30.00
Minimum repayment percentage
3.00%
Additional cardholders
2
Additional cardholder fee
$0.00
Payment options
Apple Pay, Google Pay, 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.
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