Heritage Bank credit card reviews

Heritage Bank
Heritage Bank's overall rating for credit cards

(as rated by the Mozo community)

8.0 / 10

based on 129 reviews

Price

Features

Customer service

Convenience

Trust

Featured credit card from Heritage Bank

Heritage Bank Business Visa

balance transfer rate

No current offer

purchase rate

12.95% p.a.

annual fee

$45

 Contact provider or click here for more Heritage Bank credit cards

Recent Heritage Bank credit card reviews

Heritage Bank

Heritage Bank Classic credit card 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, ...

Full review

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 about 1 year ago

Heritage Bank

Heritage Bank Classic credit card review

Overall rating   3 / 10

I wouldn't recommend my bank

I need another bank card

Full review

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 about 1 year ago

Heritage Bank

Heritage Bank Platinum credit card review

Overall rating   10 / 10

Very good provider

very good bank

Full review

very good bank

    Price   10 / 10

Less

Gary, Queensland, reviewed almost 2 years ago

Heritage Bank

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.

Full review

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 about 3 years ago

Heritage Bank

Heritage Bank Platinum credit card 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.

Full review

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 over 3 years ago

Heritage Bank

Heritage Bank Classic credit card 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

Full review

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 over 3 years ago

Heritage Bank

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.

Full review

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 3 years ago

Heritage Bank

Heritage Bank Platinum credit card 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.

Full review

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 almost 4 years ago

Heritage Bank

Heritage Bank Gold Low Rate credit card review

Overall rating   10 / 10

As above.

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

Full review

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 almost 4 years ago

Heritage Bank

Heritage Bank Platinum credit card review

Overall rating   10 / 10

Comes free for us

Saved on Holiday Insurance.

Full review

Saved on Holiday Insurance.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Paul, Queensland, reviewed almost 4 years ago

Heritage Bank

Heritage Bank Classic credit card review

Overall rating   0 / 10

Rates too high but customer service is good.

The bank charges for any transactions over 10 each month.

Full review

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 almost 4 years ago

Heritage Bank

Heritage Bank credit card review

Overall rating   10 / 10

Great

Nothing to add

Full review

Nothing to add

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Michele, Queensland, reviewed almost 4 years ago

Heritage Bank

Heritage Bank Classic credit card 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.

Full review

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 almost 4 years ago

Heritage Bank

Heritage Bank credit card review

Overall rating   10 / 10

Suits our purposes. Great customer service.

Good little credit card that suits our purposes. Easy to pay off online. Great customer service.

Full review

Good little credit card that suits our purposes. Easy to pay off online. Great customer service.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Simone, South Australia, reviewed almost 4 years ago

Heritage Bank

Heritage Bank Platinum credit card review

Overall rating   10 / 10

Fantastic Customer Service

We love Heritage Bank because the staff are so efficient and friendly. They know our names and go out of their way to give us any assistance we require.

Full review

We love Heritage Bank because the staff are so efficient and friendly. They know our names and go out of their way to give us any assistance we require.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   8 / 10

    Trust   10 / 10

Less

Jill, Queensland, reviewed almost 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

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    balance transfer rate

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    • Purchase rate of 19.99% p.a.
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    purchase rate

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    annual fee

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    • Low rate of 11.99% p.a on purchases and cash advances
    • Up to 55 days interest free on purchases
    • Balance transfer rate: No current offer
    • Annual fee: $0
    • Purchase rate: 11.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 11.99% p.a.
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    • Redeem your credit card points for Woolworths shopping cards
    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $0 annual fee for the first year (saving $49)

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    0% p.a. for 14 months and then 21.99% p.a.

    purchase rate

    19.99% p.a.

    annual fee

    $49 $0 in the first year

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    • $50 Woolies eGift Card when you spend $150 a month for 3 months
    • $0 annual fee for the first year (saving $49)
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    • Annual fee: $49 $0 in the first year
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    • Interest free days: 55
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  • Qantas Money Qantas Premier Everyday

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    • 0% purchase rate for first 9 months (19.99% afterwards)
    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
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    balance transfer rate

    0% p.a. for 9 months and then 21.99% p.a.

    purchase rate

    0% p.a. for 9 months then 19.99% p.a.

    annual fee

    $49

    		 Go to site

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    • 20,000 bonus points if you apply by 30 May 2019 and spend $3,000 in the first 90 days
    • 0% balance transfer rate for 9 months (21.99% afterwards).
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    • Annual fee: $49
    • Purchase rate: 0% p.a. for 9 months then 19.99% p.a.
    • Interest free days: 55
    • Interest rate on cash withdrawals: 21.99% p.a.
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    American Express Qantas Ultimate Card

    American Express Qantas Ultimate Card

    • Receive a whopping 100,000 bonus Qantas Points when you apply online by 6 May 2019, are approved, and spend $3,000 on your new Card within the first 3 months.
    • Get rewarded with up to 2.25 Qantas Points per $1 spent.
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    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

    $450

    		 Go to site

    More info

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**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.

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**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.

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