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Heritage Bank Credit Cards

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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 July 29th, 2017
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.
Personalise this card with your own photo 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.
Earn 3 Heritage Credits for every $1,000 spent per calendar month, plus receive complimentary insurance and access to a concierge.
Heritage Bank Business Visa Secured Credit Card
10.65% p.a.
$35 p.a.
Take advantage of a 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.
Earn Heritage Credits for every $1,000 spent per calendar month and receive up to 55 days interest-free on purchases.
Heritage Bank Freedom Visa Credit Card
17.99% p.a.
$0 p.a. annual fee for the first year ($18 p.a. thereafter)
Offers a low minimum credit limit of $500, up to 55 days interest-free on purchases and the ability to use Visa payWave.

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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.

  • Design your own Heritage Bank credit card

For a small fee, you can bring the bling to your Heritage Bank credit card. Customise your Heritage Bank credit card with a personalised photo. There are a few rules about the type of image you can use. The image must not be under copyright and it must be ‘tasteful’. You can find a full list of what is and what isn’t allowed on the Heritage Bank website.

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.

Save money on interest repayments by transferring your credit card debt to a Heritage Bank credit card. There are a few things you need to know about transferring your credit card debt to a Heritage Bank credit card under a balance transfer facility.
There are limits on how little and how much you can transfer to a Heritage Bank credit card.

  • The minimum balance transfer amount is $200
  • The maximum amount you can transfer is up to 95% of your Heritage Bank credit limit
  • You can transfer from up to four non-Heritage Bank credit cards, store cards or charge cards

At the end of the balance transfer promotional period, any unpaid balance will be charged at either the cash advance or purchase rate of interest. You can find out about the revert rate by reading our Heritage Bank credit card review pages.

Check your Heritage Bank credit card statement for a full list of ways you can repay your Heritage Bank credit card. Some of the common ways you can make a repayment to your account include:

  • At a branch. Take your Heritage Bank credit card statement to your nearest Heritage branch and make a credit card payment using cash or EFTPOS.
  • BPAY. Pay your account from another bank’s online banking facility using BPAY. Your customer reference number is your 16-digit credit card number and the biller code is displayed on your credit card statement.
  • Cheque. Your Heritage Bank credit card statement has a tear off section you can send in with a cheque if you prefer to pay your credit card this way. Allow extra time for the cheque to be sent in the mail and for the transaction to be processed.

Online banking makes it easy to manage and review your account so you can keep an eye out for fraudulent use and make payments to other accounts. Heritage Online is the online banking facility for Heritage Bank members. You can set up Heritage Online by calling the bank, by visiting a Heritage Bank branch or by completing and faxing in a Heritage Online application form.

Once you’re set up with Heritage Online, you can bring the online banking experience to your smartphone by downloading the Heritage Online smartphone APP.

You can request an additional credit card for a family member when you apply for a Heritage Bank credit card online. If you’re an existing Heritage Bank customer, you can add an additional card to your account by completing and sending in an additional Visa card request form, which is available from the Heritage Bank website.

Whether you’re shopping online or over the counter, rest assured that your Heritage Bank credit card is protected from unauthorised use. When shopping online your account is protected by Verified by Visa, which is an extra password you have to enter to complete online transactions.

Online transactions are also protected by the Visa Zero Liability Policy. This policy gives you a money back guarantee if you’re the victim of credit card fraud. The Visa Zero Liability Policy also extends to transactions made over the counter. This includes contactless payments using the Visa payWave feature and the Cash by Optus payment method.

Additionally, your account is monitored in real time for fraudulent transactions. If a transaction shows up that doesn’t fit your usual spending patterns, Heritage Bank will attempt to contact you to confirm the transaction. In some cases, if you can’t be contacted, a hold will be placed on your account preventing further use of the credit card.

If you believe someone is using your credit card without your permission, call Heritage Bank, and you may even need to speak to the police. The same applies if your Heritage Bank credit card is lost or stolen. You need to call the bank right away so your card can be blocked.

Heritage Bank credit card account holders are also members and part-owners of the bank. As a member, you’re entitled to special benefits as part of Heritage’s customer loyalty program. Get discounts and preferential seating for purchases at a number of online merchants including travel offers, romantic experiences, movie tickets, comedy shows and concerts.

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Credit Cards Comparison

Rates last updated July 29th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
NAB Premium Card - Exclusive Offer
Exclusive to finder.com.au, enjoy a no BT fee, long-term balance transfer offer with platinum privileges, including travel insurance.
19.74% p.a. 0% p.a. for 24 months $90 p.a. Go to site More info
Qantas American Express Ultimate Card - Online Offer
Apply by 31 July 2017 to earn 100,000 bonus Qantas Points and get 2 American Express Airport Lounge entries each calendar year.
20.74% p.a. 0% p.a. for 12 months with 1% balance transfer fee $450 p.a. Go to site More info
St.George Vertigo Platinum
Offers complimentary travel insurance, complimentary purchase insurance and access to a 24/7 personal concierge service.
12.74% p.a. 0% p.a. for 20 months $99 p.a. Go to site More info
Virgin Australia Velocity Flyer Card - Exclusive Offer
Apply by 31 July 2017 to receive a long-term, no fee balance transfer and a $129 Virgin Australia Gift Voucher each year.
20.74% p.a. 0% p.a. for 18 months $64 p.a. annual fee for the first year ($129 p.a. thereafter) Go to site More info

* 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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