In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Bank of Heritage Isle Visa credit card

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Bank of Heritage Isle Visa Credit Card
Terms and conditions apply
Balance transfer rate for 12 months with no balance transfer fee
0% p.a.
Purchase rate
10.76% p.a.
Annual fee for the first year ($30 p.a. thereafter)
$0 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Save with a low purchase rate of 10.76% and no first-year annual fee.

The Bank of Heritage Isle Visa is a low rate credit card with features to suit people who want to make purchases or pay off existing debt.

Pros

  • $0 annual fee for the first year
  • 0% p.a. on balance transfers for the first 12 months, with no balance transfer fee
  • A low interest rate of 10.76% p.a. on purchases and cash advances

Cons

  • Charges a 3% foreign transaction fee

In this guide

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

The Bank of Heritage Isle Visa Credit Card combines ongoing cost-saving features, a competitive interest rate to both purchases and cash advances, as well as 0% p.a. on balance transfers for 12 months.

Details

Product details

Product Name Bank of Heritage Isle Visa Credit Card
Balance transfer rate p.a. 0% for 12 months, then 10.76%
Purchase rate p.a. 10.76%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 10.76%
Min credit limit $1,000
Card type Visa

Eligibility

Available to temporary residents No

Rewards

Bonus points N/A

Fees

Annual fee $0 first year ($30 after)
Minimum monthly repayment 2.5% of the closing balance or $5, whichever is greater
Late payment fee $10
Foreign currency conversion fee 3%
Number of additional cardholders 1

How to apply

You can apply for the Bank of Heritage Isle Visa Credit Card in 10-15 minutes, as long as you meet the eligibility criteria and can provide the necessary information.

Eligibility criteria

  • Income. You must earn a regular income and demonstrate that you can make repayments.
  • Residency. This card is available to permanent Australian residents.

Card benefits

  • 0% balance transfer offer. Repay an existing debt and save with 0% on balance transfers for 12 months. Interest-free days don't apply when you're carrying a balance transfer debt and any unpaid balance will attract the 10.76% p.a. revert rate after the promotional period ends.
  • Credit limit. You can request a minimum credit limit of $1,000.

Rates & fees

  • Annual fee. Outside of any promotions, the Bank of Heritage Isle Visa Credit Card charges a $30 annual fee.
  • Interest rate. Purchases and cash advances attract a 10.76% p.a. interest rate.

Your reviews

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Sally Finder

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