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Bank of Heritage Isle Visa credit card

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Save with a low purchase rate of 10.76% and no first-year annual fee.

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.

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


Product NameBank of Heritage Isle Visa Credit Card
Balance transfer rate0% p.a. for 12 months
Balance Transfer Revert RatePurchase 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 period55 days
Cash advance rate (p.a.)10.76% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee (Visa/Mastercard)3%
Complimentary travel insuranceNo
Minimum age18 years of age


  • $0 annual 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


  • Charges a 3% foreign transaction fee
Annual fee$0 p.a. annual fee for the first year ($30 p.a. thereafter)
Minimum monthly repayment2.5% of the closing balance or $5, whichever is greater
Late payment fee$10
Foreign currency conversion fee (Visa/Mastercard)3%
Number of additional cardholders1

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Bank of Heritage Isle Visa is a low rate credit card with features to suit people who want to make purchases or pay off existing debt.

How to apply

You can apply for the Bank of Heritage Isle Visa Credit Card in 10-15 minutes, as long as you meet the eligibility criteria and can provide the necessary information.

Eligibility criteria

  • Income. You must earn a regular income and demonstrate that you can make repayments.
  • Residency. This card is available to permanent Australian residents.

Card benefits

  • 0% balance transfer offer. Repay an existing debt and save with 0% on balance transfers for 12 months. Interest-free days don't apply when you're carrying a balance transfer debt and any unpaid balance will attract the 10.76% p.a. revert rate after the promotional period ends.
  • Credit limit. You can request a minimum credit limit of $1,000.

Rates & fees

  • Annual fee. Outside of any promotions, the Bank of Heritage Isle Visa Credit Card charges a $30 annual fee.
  • Interest rate. Purchases and cash advances attract a 10.76% p.a. interest rate.

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