Heritage Bank Credit Cards


Compare credit cards from Australia’s largest customer-owned bank

The name ‘Heritage Bank’ is a recent addition to the Australian financial services landscape. The Darling Downs Building Society and the Toowoomba Permanent Building Society joined forces in the 1980’s, and in 2011 the joint venture was rebranded to become the financial institution we now know as Heritage Bank.

Heritage Bank is now the largest customer-owned bank in Australia. As a mutual society, every customer is a member, and every member owns a share of the bank. Heritage Bank members continually gets access to credit cards with great deals and rates, while communities all around Australia get a fair go by getting access to financial services through Heritage Bank’s Community Bank Centres. Heritage Bank is a champion of the notion of a ‘community bank’.

Comparison of Heritage Bank Credit Cards

Rates last updated February 18th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0% p.a. for 12 months
$0 p.a.
Enjoy no annual fee for the life of the card, gain access to Visa Entertainment and Verified by Visa and up to a $75,000 credit limit.
Heritage Bank Platinum Credit Card
17.99% p.a.
0% p.a. for 12 months
$125 p.a.
, plus receive complimentary insurance and access to a concierge.
Heritage Bank Business Visa Secured Credit Card
10.65% p.a.
$45 p.a.
Take advantage of up to 40-day interest-free period on purchases and the ability to set individual monthly spend limits.
Heritage Bank Classic Credit Card
17.99% p.a.
$55 p.a.
and receive up to 55 days interest-free on purchases.

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Types of credit cards from Heritage Bank

Heritage Bank offers credit cards in the low rate, classic, and platinum credit card categories. Compared to other credit card providers, Heritage Bank credit cards don’t exactly fit with what we’ve come to expect. They offer a low rate gold credit card, for example, which also has no annual fee. Read more about the different types of Heritage Bank credit cards below.

  • Low rate credit cards

Low rate credit cards can be an option for you if you plan on paying back when you spend on the card over a couple of months. Usually, these cards come with an annual fee and ‘up to’ interest-free days on purchases. The Heritage Bank Low Rate Gold Credit Card doesn’t offer any interest-free days on purchases, but you won’t pay any annual fee to own the card.

Learn more about Low Rate Credit Cards

  • Standard credit cards

Whereas low rate credit cards are just suited to ‘revolvers’ — people who just make the minimum monthly repayment — standard credit cards are mid-level products that are suited to most types of borrowers. The annual fee is a little higher than low rate credit cards, but sometimes banks will sweeten the deal by waiving certain fees in the first year you have the credit card.

  • Platinum credit cards

Platinum credit cards are the ‘king of the castle’. As you get to earn rewards points, benefit from free insurance and personal concierge service, you can expect to pay more for a Platinum credit card, but there’s a greatest range of value-adding features on offer.

Learn more about Platinum Credit Cards

The benefits of banking with Heritage Bank

There are some unique and fun features of Heritage Bank credit cards that make using your card a rewarding experience.

  • Heritage Network ATMs — Use your Heritage Bank credit card at Westpac Group ATMs

You can use your Heritage Bank credit card for free at any Heritage Bank ATM and any Heritage Bank Network ATM. St.George Bank, Westpac, BankSA and Bank of Melbourne ATMs are part of the Heritage Bank ATM network. You won’t have to look far to avoid ATM fees.

  • Heritage Bank credit cards mobile payments — Cash by Optus

Leave your Heritage Bank credit card at home. You can now use your smartphone to make purchases using Cash by Optus. Load your smartphone with cash from your Heritage Bank credit card so you can make purchases at Visa payWave terminals. You need an Optus postpaid mobile plan, a Heritage Bank credit card and an Android smartphone to make mobile payments. You can even make payments when your phone battery is flat. Once you download the Cash by Optus App, you can view transactions in real time. The App also lets you shop online with a virtual Heritage Bank Visa card.

How to apply for a Heritage Bank credit card

The fastest and easiest way to apply for a Heritage Bank credit card is to complete the credit card application online. A Heritage Bank credit card application will only take ten to fifteen minutes to complete, and you can save your progress and return to the application at any time. You must be a permanent Australian resident and be over the age of 18 to apply for a credit card from Heritage Bank. Other eligibility criteria may also apply, and you can read more about the application requirements on our Heritage Bank credit card review pages.

Required information

You'll need the following on hand when you start an online application for a Heritage Bank credit card:

  • Personal information. You'll need to enter information about yourself like your name, contact numbers, residential address, marital status, date of birth, number of dependent children and contact information for a family member who is not living with you.
  • Identification requirements. Provide your driver’s licence number so Heritage Bank can verify your identity.
  • Employment and income. Answer the following questions about your employment status. List your current employment situation — employed, unemployed, self-employed or retired — how long have you been in the status of employment and what your previous employment situation was prior to this. List other forms of income like whether you get any money from shares or rental property.
  • Expenses and liabilities. List information about your ongoing expenses. Provide details about your weekly food budget, whether you have any loans like credit cards or personal loans, your current living situation and information about other accounts you may want to include in a balance transfer to a Heritage Bank credit card.

Frequently asked questions

Have a look for an answer to the most frequently asked questions about Heritage Bank credit cards below. If you can’t what you’re looking for, get in touch with us using the form at the bottom of the page.

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Credit Card Offers

Important Information*
NAB Premium Card - Exclusive Offer
NAB Premium Card - Exclusive Offer

Interest rate


Annual fee

St.George Vertigo Platinum - Online Offer
St.George Vertigo Platinum - Online Offer

Interest rate


Annual fee

Woolworths Everyday Platinum Credit Card
Woolworths Everyday Platinum Credit Card

Interest rate


Annual fee


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Credit Cards Comparison

Rates last updated February 18th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to finder.com.au, enjoy a no BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.
Woolworths Everyday Platinum Credit Card
19.99% p.a.
0% p.a. for 14 months
$0 p.a. annual fee for the first year ($49 p.a. thereafter)
Receive a $50 eGift Card when you meet the offer criteria, a 0% p.a. for 14 month balance transfer offer and a $0 first year annual fee.

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* The credit card offers compared on this page are chosen from a range of credit cards finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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