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Heritage Bank Credit card reviews

Overall rating
8.0/10
Price
7.5/10
Features
6.9/10
Customer service
8.5/10
Convenience
8.2/10
Trust
8.3/10
Based on 131 reviews as rated by the Mozo community.

Featured credit card from Heritage Bank

Gold Low Rate

balance transfer rate
No current offer
purchase rate
11.30% p.a.
annual fee
$0

Promoted

Recent Heritage Bank credit card reviews

Sort reviews by: date | star rating
  • Heritage Bank Platinum review

    Overall rating   10 / 10
    A bank run with real people.

    If you want one on one contact, personal banking, go to Heritage.

    Features
    8 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Colleen, Queensland, reviewed about 1 month ago
  • Heritage Bank Classic review

    Overall rating   9 / 10
    No account fee and great customer phone service

    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.

    Price
    8 / 10
    Customer service
    9 / 10
    Convenience
    9 / 10
    Trust
    9 / 10
    Less
    Janet, Queensland, reviewed 3 months ago
  • Heritage Bank Classic review

    Overall rating   9 / 10
    Excellent and local customer service

    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.

    Price
    8 / 10
    Features
    6 / 10
    Customer service
    9 / 10
    Convenience
    7 / 10
    Trust
    10 / 10
    Less
    Este, Queensland, reviewed almost 2 years ago
  • Heritage Bank Classic review

    Overall rating   3 / 10
    I wouldn't recommend my bank

    I need another bank card

    Price
    4 / 10
    Features
    0 / 10
    Customer service
    4 / 10
    Convenience
    3 / 10
    Trust
    3 / 10
    Less
    Beau, Queensland, reviewed almost 2 years ago
  • Heritage Bank Platinum review

    Overall rating   10 / 10
    Very good provider

    very good bank

    Price
    10 / 10
    Less
    Gary, Queensland, reviewed over 2 years ago
  • 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.

    Price
    7 / 10
    Features
    8 / 10
    Customer service
    8 / 10
    Convenience
    8 / 10
    Trust
    7 / 10
    Less
    Andrew, Queensland, reviewed almost 4 years ago
  • Heritage Bank Classic 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

    Price
    4 / 10
    Features
    3 / 10
    Customer service
    3 / 10
    Convenience
    7 / 10
    Trust
    2 / 10
    Less
    Laura, Queensland, reviewed about 4 years ago
  • Heritage Bank Platinum 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.

    Price
    10 / 10
    Features
    10 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Katherine, Queensland, reviewed about 4 years ago
  • 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.

    Price
    9 / 10
    Features
    8 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Cheryl, Queensland, reviewed over 4 years ago
  • Heritage Bank Platinum 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.

    Price
    5 / 10
    Features
    5 / 10
    Customer service
    5 / 10
    Convenience
    2 / 10
    Trust
    2 / 10
    Less
    Monica, Queensland, reviewed over 4 years ago
  • Heritage Bank Gold Low Rate review

    Overall rating   10 / 10
    As above.

    Best bank ever tried. Reasonable rates. No costs, excellent returns on Visa.

    Price
    10 / 10
    Features
    8 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Barry, Queensland, reviewed over 4 years ago
  • Heritage Bank Platinum review

    Overall rating   10 / 10
    Comes free for us

    Saved on Holiday Insurance.

    Price
    10 / 10
    Features
    10 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Paul, Queensland, reviewed over 4 years ago
  • Heritage Bank Classic review

    Overall rating   0 / 10
    Rates too high but customer service is good.

    The bank charges for any transactions over 10 each month.

    Price
    0 / 10
    Features
    0 / 10
    Customer service
    5 / 10
    Convenience
    4 / 10
    Trust
    0 / 10
    Less
    Estelle, Queensland, reviewed over 4 years ago
  • Heritage Bank review

    Overall rating   10 / 10
    Great

    Nothing to add

    Price
    10 / 10
    Features
    10 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Michele, Queensland, reviewed over 4 years ago
  • Heritage Bank Classic review

    Overall rating   10 / 10
    Great service always

    I have been with the other banks, don't know why I just didn't stay with Heritage.

    Price
    9 / 10
    Features
    10 / 10
    Customer service
    10 / 10
    Convenience
    10 / 10
    Trust
    10 / 10
    Less
    Max, Queensland, reviewed over 4 years ago
  • 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. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

    Credit card comparisons on Mozo - rates updated daily

    • Velocity Escape Card

      balance transfer rate
      0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
      purchase rate
      20.74% p.a.
      annual fee
      $0

      Promoted
    • Breeze Platinum Mastercard

      balance transfer rate
      0% p.a. for 26 months and then 12.99% p.a. (2.00% balance transfer fee)
      purchase rate
      12.99% p.a.
      annual fee
      $99 $49 in the first year

      Promoted
    • Qantas Discovery Card

      balance transfer rate
      0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)
      purchase rate
      20.74% p.a.
      annual fee
      $0

      Promoted
    • Low Rate Credit Card

      balance transfer rate
      0% p.a. for 13 months and then 21.74% p.a.
      purchase rate
      11.99% p.a.
      annual fee
      $49 $0 in the first year

      Promoted
    • Low Rate Card

      balance transfer rate
      0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)
      purchase rate
      0% p.a. for 6 months then 13.99% p.a.
      annual fee
      $59

      Promoted

    **Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

    Want more? Compare all 227 credit cards in the Mozo comparison engine.

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    Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.