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Bank of Heritage Isle is a mutual bank with a focus on customers in Tasmania. It offers one Visa credit card with simple, low-cost features and compatibility with Apple Pay, Google Pay and Samsung Pay.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
The Bank of Heritage Isle Visa Credit Card has a low ongoing interest rate of10.76% p.a. and offers up to 55 days interest-free on purchases when you pay your full closing balance by the due date listed on your statement. It also has an annual fee of $30 that's waived in the first year and is competitive with other low rate cards.
Benefits of getting a credit card with Bank of Heritage Isle
0% p.a. balance transfer offer
If you're paying off an existing credit card, switching to the Bank of Heritage Isle Visa could help you save on interest charges, with an introductory 0% p.a. interest rate on balance transfers for the first 12 months. At the end of the introductory period, any remaining balance transfer debt will attract the card's 10.76% p.a. interest rate, which is a low revert rate for a balance transfer card.
Visa benefits
You can use a Bank of Heritage Isle credit card around the world, anywhere Visa is accepted. You'll also get access to deals on travel, shopping, dining and entertainment through Visa Offers + Perks.
Mobile payments
The Bank of Heritage Isle Visa credit cards can be added to your digital wallet with Apple Pay, Google Pay and Samsung Pay so that you can pay straight from your mobile device.
Reduced Fees Program
If you have a combined balance of more than $5,000 in savings, investments and drawn loans, you can get more fee-free ATM, EFTPOS and personal cheques than what is normally applied to Bank of Heritage Isle members.
Account management
As well as branch and phone banking, Bank of Heritage Isle offers internet banking and a mobile app so you can view your account details, temporarily lock card, make payments and manage other details from anywhere.
How to apply
You can apply for a Bank of Heritage Isle Visa credit card online by filling in a secure application form.
Before you apply, make sure you meet the eligibility requirements and have all the documents and details you need ready to go.
Eligibility criteria
Residency status. You can apply for this card if you are a permanent Australian resident or citizen.
Digital access. To complete the application, you need to have access to an email account and mobile phone.
Age. You must be at least 18 years old.
Required documents
Personal details. Includes your full name, date of birth, contact number, email address and your residential address for at least the past two years. You also need a valid form of ID, such as your driver's licence. If you are already a Bank of Heritage Isle member, you should include your member number on the application.
Employment details. This covers your occupation, gross yearly income and your employer's name and contact details.
Financial details. This includes any other forms of income, as well as savings, investments or other assets. You also need to provide details of any existing debts, loans or other liabilities. If you are requesting a balance transfer, you will need to provide this information as well.
If you have any questions about the application, contact Bank of Heritage Isle on 134 374 or visit a branch.
Credit card brands similar to Bank of Heritage Isle
If you want a credit card from a customer-owned bank or one with branches in Tasmania, here are 3 other credit card providers you could compare:
Bank of Heritage Isle is owned by its customers as a division of Police Bank. Its legal details are ABN: 95 087 650 799 and AFSL/Australian Credit Licence No. 240018. As a customer-owned bank, all profits go back to the bank and members through products and services.
Yes, if you want to share your credit card with someone, you can request an additional card that is linked to your Bank of Heritage Isle account. Note that you will be responsible for all account management and payments.
Contact details and related links
Bank of Heritage Isle phone number: 134 374
SMS communication (no reply service): 0427 705 032
Amy Bradney-George is the senior writer for credit cards at Finder, and editorial lead for Finder Green. She has over 14 years’ experience as a journalist, with a particular focus on personal finance, and has been featured in publications including ABC News, Money Magazine and The Sydney Morning Herald.
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