The Bank of Heritage Isle Visa Credit Card combines ongoing cost-saving features, a competitive interest rate to both purchases and cash advances, as well as 0% p.a. on balance transfers for 12 months.
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Bank of Heritage Isle Visa credit card
Terms and conditions apply
- Balance transfer rate for 12 months with no balance transfer fee
- 0% p.a.
- Purchase rate
- 10.76% p.a.
- Annual fee for the first year ($30 p.a. thereafter)
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Save with a low purchase rate of 10.76% and no first-year annual fee.
Pros
-
$0 annual fee for the first year
-
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
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Charges a 3% foreign transaction fee
Details
Product details
| Product Name | Bank of Heritage Isle Visa Credit Card |
| Balance transfer rate p.a. | 0% for 12 months, then 10.76% |
| Purchase rate p.a. | 10.76% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 10.76% |
| Min credit limit | $1,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $0 first year ($30 after) |
| Minimum monthly repayment | 2.5% of the closing balance or $5, whichever is greater |
| Late payment fee | $10 |
| Foreign currency conversion fee | 3% |
| Number of additional cardholders | 1 |
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Sally Finder
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