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Heritage Bank business credit card offering is an award-winning option. In 2020, it was took home a Mozo Experts Choice Award for best Low Rate Business Credit Card. For more information about the ins and outs of this top card, check it out below. Or if you want to weigh it up against others on the market, you can compare with our business credit card comparison tools.
Last updated 12 January 2025
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Important disclosures
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Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Heritage Bank small business credit cards
Business Visa
Interest rate
12.95% p.a.
Interest free days
Up to 40
Annual fees
$45
No Partner link
Purchase rate
12.95
%
p.a.
Interest free days on purchases
Up to 40
Annual card fee
$45
Balance transfer rate
No current offer
Cash advance rate
12.95% p.a.
Cash advance fee
2%, Min $2.50
Foreign exchange margin
3.00%
Late payment fee
$20.00
Minimum credit limit
$1,000.00
Minimum repayment amount
$30.00
Additional cardholders
2
Supplementary card fee
$35.00
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.
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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.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.
Disclaimer
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
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Important information on terms, conditions and sub-limits
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