Bank of Heritage Isle Visa credit card
Last updated:
Save with $150 cashback, no first-year annual fee and a low purchase rate of 10.76% p.a.
The Bank of Heritage Isle Visa Credit Card combines a cashback offer with ongoing cost-saving features. It charges a competitive interest rate to both purchases and cash advances, as well as 0% on balance transfers for 12 months. If you apply by 10 January 2020 and spend $500 in the first 4 weeks, you can also score $150 cashback in your account.
0% p.a.
Balance transfer rate
for 12 months
10.76% p.a.
Purchase rate
$0 p.a.
Annual fee
for the first year ($30 p.a. thereafter)
55 days
Interest free period
Details
| Product Name | Bank of Heritage Isle Visa Credit Card |
|---|---|
| Balance transfer rate | 0% p.a. for 12 months |
| Balance Transfer Revert Rate | Purchase Rate (10.76% p.a.) |
| Purchase rate (p.a.) | 10.76% p.a. |
| Annual fee | $0 p.a. annual fee for the first year ($30 p.a. thereafter) |
| Interest Free Period | 55 days |
| Cash advance rate (p.a.) | 10.76% p.a. |
| Min credit limit | $1,000 |
| Card Type | Visa |
| Foreign Currency Conversion Fee (Visa/Mastercard) | 3% of transaction value |
| Complimentary Travel Insurance | No |
| Minimum Age | 18 years of age |
|---|
Pros
- $0 annual for the first year
- $150 cashback on your card when you spend $500 on eligible purchases within the first 4 weeks of card activation
- 0% p.a. on balance transfers for the first 12 months, with no balance transfer fee
- A low interest rate of 10.76% p.a. on purchases and cash advances
Cons
- Charges a 3% of transaction value foreign transaction fee
| Annual fee | $0 p.a. annual fee for the first year ($30 p.a. thereafter) |
|---|---|
| Minimum Monthly Repayment | 2.5% of the closing balance or $5, whichever is greater |
| Late Payment Fee | $10 |
| Foreign Currency Conversion Fee (Visa/Mastercard) | 3% of transaction value |
| Number of Additional Cardholders | 1 |
Expert review
Review by
Sally McMullen
sally.mcmullen@finder.com.auSally McMullen is Finder's credit cards and frequent flyer editor by day and a music maven by night. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone.
