In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Heritage Bank Business Visa Credit Card

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Heritage Bank Business Visa Credit Card
Terms and conditions apply
Purchase rate
12.95% p.a.
Annual fee
$45 p.a.
Interest-free on purchases
Up to 40 days

Our verdict

Manage your business cash flow with a 12.95% p.a. interest rate and additional cards for employees.

The Heritage Bank Business Visa credit card gives you a way to keep track of business spending, with multiple cards for employees, individual spending limits and integration with MYOB, Reckon and Xero accounting software.

Pros

  • 12.95% p.a. interest rate on purchases
  • Up to 40 days interest-free on purchases
  • Multiple cards are issued under one overall approved limit and each card has an individual spend limit
  • One free replacement card per year

Cons

  • Charges 3% for transactions performed in a currency other than Australian Dollar
  • $45 annual fee per card

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Heritage Bank Business Visa credit card offers up to 40 days interest-free on purchases and has an annual fee of $45 per card.

Details

Product details

Product Name Heritage Bank Business Visa Credit Card
Purchase rate p.a. 12.95%
Interest-free period Up to 40 days on purchases
Cash advance rate p.a. 12.95%
Min credit limit $1,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $45
Minimum monthly repayment 3% of the closing balance or $30, whichever is greater
Foreign currency conversion fee 3%
Cash advance fee 2% or $2.50, whichever is greater
Overseas cash advance fee 2% of the withdrawal amount (minimum fee of $2.50)
Overseas ATM withdrawal fee $5

Congratulations, Heritage Bank!

Heritage Bank Business Visa Credit Card received the highly commended award for 'Low Interest Business Credit Card' in the 2024 Product Awards.

Full list of 2024 winners

How to apply

You can apply for a Heritage Bank Business Visa credit card by visiting a branch or by phoning 1300 272 197. You can also request a call by filling in the contact form on the Heritage Bank website.

As part of the application process, you will be asked to supply the following information to ensure that you and your business are eligible for this card:

Eligibility criteria

  • Business requirements. You must be the business owner, director or partner to apply for this card. You will also need to provide a valid ABN or other business registration details.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Accounting software integration. You can add this account to your MYOB, Xero or Reckon bank feed to help speed up reconciliations and other accounting tasks.
  • Cards for employees. If you want to share this account with employees, you can request additional cards and set separate spending limits for each one. Note that the spending limits must be within the account's overall approved limit and each card has an annual fee of .

Rates & fees

  • Annual fee. This account has an annual fee of $45 per card.
  • Purchase rate. The 12.95% p.a. interest rate on this card is competitive with other business credit card options.

Your reviews

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Amy Finder

Editor

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