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The Bank of Heritage Isle Visa has a low interest rate of 10.76% 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 a competitive annual fee of $30 that's waived in the first year.
If you want to pay off existing credit card debt, the Bank of Heritage Isle Visa also offers a 0% p.a. interest rate on balance transfers for the first 12 months you have this card. At the end of the introductory period, any remaining balance transfer debt will attract the card's standard variable rate, currently 10.76% p.a.
The 10.76% p.a. interest rate offered on the Bank of Heritage Isle Visa is one of the lowest standard variable rates on the market. If you carry a balance, this could help you save on interest charges compared to other cards.
If you are paying interest on existing credit card debt, 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.
The Bank of Heritage Isle Visa offers a $0 annual fee in the first year, then a $30 annual fee in subsequent years. This is a relatively low yearly cost, although you could also compare credit cards with no annual fee if you want an account that never charges a yearly fee.
If you want to share your account with someone, you can request an additional card that is linked to your Bank of Heritage Isle Visa credit card. Note that you will be responsible for all account management and payments.
The Bank of Heritage Isle Visa credit cards can be added to your wallet with Apple Pay, Google Pay and Samsung Pay so that you can tap-and-go using your mobile device.
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.
You can apply for a Bank of Heritage Isle Visa credit card online by downloading and filling in a digital, PDF document. Alternatively, you can request a call from a Bank of Heritage Isle loan specialist who will walk you through the application.
Before you apply, make sure you meet the eligibility requirements and have all the documents and details you need ready to go.
The Bank of Heritage Isle Visa Credit Card offers a low purchase rate, 0% on balance transfers for 12 months and no annual fee in the first year.