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 Classic Visa credit card

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Heritage Bank Classic Visa Credit Card
Terms and conditions apply
Purchase rate
17.99% p.a.
Reward points per $ spent
Annual fee
$55 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Earn Heritage Credits as you spend and redeem them for gift cards, retail items and charity donations.

The Heritage Bank Classic Visa is one of the few cards to offer an annual fee waiver each year, with a spending requirement that works out to be an average of $2,084 per month (rounded to the nearest dollar).


  • $55 annual fee is waived if Visa purchases within the calendar year exceed $25,000
  • Up to 55 days interest-free on purchases


  • Earn rate of 1 Heritage Credit per $1,300 spent is not competitive when compared to the average among other cards of 1:1.

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 Classic Visa has a $55 annual fee that’s waived when you spend at least $25,000 on purchases.


Product details

Product Name Heritage Bank Classic Visa Credit Card
Purchase rate p.a. 17.99%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 19.99%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application No


Rewards program Heritage Credit Rewards
Bonus points N/A


Annual fee $55
Minimum monthly repayment 3% of the closing balance or $30, whichever is greater
Late payment fee $20
Foreign currency conversion fee 3%
Cash advance fee 2% or $2.50, whichever is greater
Additional cardholder fee $7.50

How to apply

You can apply for the Heritage Bank Classic Visa credit card by calling 1300 272 197 or by filling in an enquiry form on the Heritage Bank website. Get started by making sure you meet the following eligibility requirements and have all the details you need to complete an application.

Eligibility criteria

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

Card benefits

  • Earn Heritage Credits. For every $1,300 spent on Visa purchases in one calendar month, you will earn 1 Heritage Credit. You can redeem your credits for a choice of retail rewards, gift cards or charity donations, with credit requirements and details available when you log in to your account or call the bank. As an example of the rewards available, a newsletter on the Heritage Bank website (pdf) shows you could get a Myer gift card from 4 credits, or a noise cancelling headphones for 61 credits plus freight. Log in to your account or call 13 14 22 and choose option 8 to find out what rewards are currently available.
  • Annual fee waiver. If you spend at least $25,000 on purchases in a year, the $55 annual fee on this card will be waived.

Rates & fees

  • Purchase rate. An interest rate of 17.99% p.a. applies to purchases made with this card.
  • Interest-free days. This card offers up to 55 days interest-free on purchases if you pay the closing balance in full by the due date on each statement. Note that cash advances are not eligible for interest-free days.

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October 24, 2023

If I get this card, can I have one in my partners name also


Amy Bradney-George Finder

October 25, 2023

Hi Marty,

You could request an additional card for your partner. This would give them a card with their name printed on it, but you would be the person legally responsible for managing the account, including all repayments. There’s also an additional cardholder fee, as we’ve outlined in this review. If you have further questions, you can contact Heritage Bank on 13 14 22. I hope this helps.

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