A card made for shopaholics everywhere is the Heritage Bank Platinum Credit Card. This rewards card will turn your next shopping trip into your best yet with its rewards scheme, which allows you to redeem points through gift or shopping cards and other retail rewards. There’s also prestigious privileges on offer like, complimentary travel insurance, concierge services and more. Or if you're keen to blast debt, the Heritage Bank Platinum Credit Card currently has a 0% balance transfer offer for 12 months.
With the Heritage Bank Platinum Credit Card, you’ll be treated to a number of exclusive privileges, including a rewards scheme that allows you to claim your points through retail rewards, like gift of shopping cards. You’ll also have access to 24/7 concierge service along with earning 3 Heritage Credits for every $1,500 spend per calendar month. You'll only need to rack up a balance of 64 credits before cashing in for a $100 gift card. But if you’re more of a social butterfly, you’ll be able to use this rewards card to grab tickets for concerts, shows and sporting events before they even hit pre-sale!
Another privilege you can look forward to with the Heritage Bank Platinum Credit Card is complimentary insurance, such as international travel insurance, interstate flight inconvenience insurance, transit accident insurance, purchase cover insurance and extended warranty insurance. There’s also a guaranteed price scheme feature - if you purchase an item with your rewards card and find within 60 days another store is advertising the same product for a cheaper price, you’ll be able to claim the difference in price.
This rewards card has a 17.99% purchase, 19.99% cash advance rate and a minimum cash advance fee of $2.50. There’s up to 55 interest free days and a late payment fee of $20. And for those looking to get rid of lingering debt, you could also take advantage of the 12 month 0% balance transfer offer.
But something you will need to factor into your budget is the $125 annual fee and the 3.00% foreign exchange margin if you like your international online shopping.
The Heritage Bank Platinum Credit Card is a good choice for practical spenders who will use their points towards gift cards or shopping trips.
The earn rate on this card is quite a bit lower than the average rewards card, so you need to carefully consider whether or not the benefits on offer are worth the $125 annual fee.
Rates and fees information correct as at 20 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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0.002 points per dollar on Visa, uncapped
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.
Spend $32,000 (Visa)
Uncapped
36 months
|
17.99% p.a. |
|
|
none |
|
|
0% p.a. for 12 months and then 19.99% p.a. |
|
|
yes |
|
|
19.99% p.a. |
|
|
55 |
|
$125.00 |
|
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none |
|
|
$35,000.00 |
|
|
none |
|
|
$20.00 |
|
|
2%, Min $2.50 |
|
|
3.00% |
|
|
$7.50 |
|
|
$12.00 |
|
|
$0.00 |
|
$30.00 |
|
|
3.0 |
|
|
2 |
|
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$7.50 per card for the 3rd and subsequent supplementary cards. |
Apple Pay, Google Wallet, Samsung Pay
Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection
The people at the branch that I deal with are very helpful, had a problem with some unscrupulous person using our credit card facilities, the bank did everything it could to resolve the matter in as quickly as possible, without to much trauma to us.
Read full reviewThe people at the branch that I deal with are very helpful, had a problem with some unscrupulous person using our credit card facilities, the bank did everything it could to resolve the matter in as quickly as possible, without to much trauma to us.
Unauthorized money was taken out from my credit card which was just under $3000. I filed a dispute and they told me not to pay the amount and that they will get it sorted. A month later they called me to tell me they've taken out $100 for overdue fees but they could not call me to tell me that they squashed the case after a week because they threw it in the too hard basket. Now they are asking me to pay the almost $3000 amount. I will be making a formal complaint to the AFCA and hopefully speaking to solicitors this Tuesday. There is no point in having a credit card because your money is not safe with the,. I've been a loyal client for over 20 years and this not the first time they have screwed me. But enough is enough and I'll be taking me money elsewhere. Absolutely disgusted!
Read full reviewUnauthorized money was taken out from my credit card which was just under $3000. I filed a dispute and they told me not to pay the amount and that they will get it sorted. A month later they called me to tell me they've taken out $100 for overdue fees but they could not call me to tell me that they squashed the case after a week because they threw it in the too hard basket. Now they are asking me to pay the almost $3000 amount. I will be making a formal complaint to the AFCA and hopefully speaking to solicitors this Tuesday. There is no point in having a credit card because your money is not safe with the,. I've been a loyal client for over 20 years and this not the first time they have screwed me. But enough is enough and I'll be taking me money elsewhere. Absolutely disgusted!
If you want one on one contact, personal banking, go to Heritage.
Read full reviewIf you want one on one contact, personal banking, go to Heritage.
very good bank
Read full reviewHeritage have always had competitive rates and great options and features on their products.
Read full reviewHeritage have always had competitive rates and great options and features on their products.
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Citi Rewards Program
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$100
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13.49% p.a.
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8.99% p.a.
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StraightUp Card
n/a
No current offer
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