Heritage Bank Business Visa Credit Card

Manage your business cash flow with a 11.95% p.a. interest rate and additional cards for employees.

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.

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11.95% p.a.

Purchase rate

$45 p.a.

Annual fee

40 days

Interest free period

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Product NameHeritage Bank Business Visa Credit Card
Purchase rate11.95% p.a.
Annual fee$45
Interest-free periodUp to 40 days on purchases
Cash advance rate11.95% p.a.
Min credit limit$500
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • 11.95% p.a. interest rate on purchases
  • Up to 40 days interest-free on purchases
  • Charges a competitive annual fee of $45
  • One free replacement card per year
  • 40 days


  • Charges 3% for transactions performed in a currency other than Australian Dollar
Bonus pointsN/A
Annual fee$45
Minimum monthly repayment3% of the closing balance or $30, whichever is greater
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee2% of the withdrawal amount (minimum fee of $2.50)

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

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 11.95% p.a. interest rate on this card is competitive with other business credit card options.

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