Business Visa card image

Heritage Bank Business Visa

Advertiser disclosure
Purchase rate
12.45% p.a.
Balance transfer rate
No current offer
Annual fees
Interest free days on purchases

Mozo editorial review Heritage Bank Business Visa - last updated: 20 July 2022

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What's hot
  • 12.45% p.a. purchase rate
  • Low $45 annual fee
  • 2021 Mozo Experts Choice Award winner
What's not
  • $20 late payment fee
Mozo snapshot

The Heritage Bank Business Visa Credit Card offers business owners an 12.45% p.a. purchase rate and up to 40 interest free days to pay off their balance. With the ability to issue multiple cards and set spending limits for each, business owners and their employees will be able to pay for monthly fuel, accommodation and other business expenses with minimal hassle. The card also impressed our judges in the 2021 Mozo Experts Choice Awards, taking out a win in the Low Rate Business Credit Card category.

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Key features

The Business Visa Credit Card from Heritage Bank comes with a seriously low purchase rate of 12.45% p.a., and gives cardholders up to 44 interest free days on their purchases. When it comes to paying off your balance, the minimum repayment amount is 3% of your balance or $30.00 (whichever is the greater). Multiple credit cards can be issued under one overall approved limit, and business owners will be able to set spend limits on individual cards (minimum $500), meaning you’ll be able to easily consolidate expenses for you and your employees under the one account.

Who is it good for

With its low purchase rate, the Heritage Bank Business Visa Credit Card could be a good pick for business owners looking to minimise the impact of a lingering balance.

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Any catches

Like all business credit cards, there are a few requirements you’ll need to meet to be eligible, so make sure you read over the PDS or chat with a specialist at Heritage Bank first. Cardholders will also have to be mindful of a few fees, including the $20 late payment fee, $7.50 duplicate statement fee, $12 transaction verification fee and $35 additional card fee.


Rates and fees information correct as at 9 August 2022 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.

12.45% p.a.


No current offer


12.45% p.a.








2%, Min $2.50









$7.50 per card for the 3rd and subsequent supplementary cards.

Payment options

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

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About Heritage Bank