Heritage Bank is the largest customer-owned bank in Australia. As a mutual society, every customer is a member, and every member owns a share of the bank.
Heritage Bank members continually gets access to credit cards with great deals and rates, while communities all around Australia get a fair go by getting access to financial services through Heritage Bank's Community Bank Centres.
Heritage Bank is a champion of the notion of a 'community bank'
There are some unique and fun features of Heritage Bank credit cards that make using your card a rewarding experience.
Use your Heritage Bank credit card at big four banks ATMs
You can use your Heritage Bank credit card for free at any Heritage Bank ATM and any of the big four banks ATMs, including ANZ, Westpac, NAB and Commonwealth Bank. You won’t have to look far to avoid ATM fees.
Heritage Bank credit cards mobile payments
Leave your Heritage Bank credit card at home. You can now use your smartphone to make purchases using Cash by Optus. Load your smartphone with cash from your Heritage Bank credit card so you can make purchases at Visa payWave terminals. You need an Optus postpaid mobile plan, a Heritage Bank credit card and an Android smartphone to make mobile payments. You can even make payments when your phone battery is flat. Once you download the Cash by Optus App, you can view transactions in real time. The App also lets you shop online with a virtual Heritage Bank Visa card.
These cards also allow you to make contactless payments with your compatible phone or device when you link your card to either Google Pay, Samsung Pay, Apple Pay, or Garmin Pay.
How to apply for a Heritage Bank credit card
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
Frequently asked questions
Have a look for an answer to the most frequently asked questions about Heritage Bank credit cards below. If you can’t what you’re looking for, get in touch with us using the form at the bottom of the page.
Check your Heritage Bank credit card statement for a full list of ways you can repay your Heritage Bank credit card. Some of the common ways you can make a repayment to your account include:
At a branch. Take your Heritage Bank credit card statement to your nearest Heritage branch and make a credit card payment using cash or EFTPOS.
BPAY. Pay your account from another bank’s online banking facility using BPAY. Your customer reference number is your 16-digit credit card number and the biller code is displayed on your credit card statement.
Cheque. Your Heritage Bank credit card statement has a tear off section you can send in with a cheque if you prefer to pay your credit card this way. Allow extra time for the cheque to be sent in the mail and for the transaction to be processed.
Online banking makes it easy to manage and review your account so you can keep an eye out for fraudulent use and make payments to other accounts. Heritage Online is the online banking facility for Heritage Bank members. You can set up Heritage Online by calling the bank, by visiting a Heritage Bank branch or by completing and faxing in a Heritage Online application form.
Once you’re set up with Heritage Online, you can bring the online banking experience to your smartphone by downloading the Heritage Online smartphone APP.
You can request an additional credit card for a family member when you apply for a Heritage Bank credit card online. If you’re an existing Heritage Bank customer, you can add an additional card to your account by completing and sending in an additional Visa card request form, which is available from the Heritage Bank website.
Whether you’re shopping online or over the counter, rest assured that your Heritage Bank credit card is protected from unauthorised use. When shopping online your account is protected by Visa Secure, which is an extra password you have to enter to complete online transactions.
Online transactions are also protected by the Visa Zero Liability Policy. This policy gives you a money back guarantee if you’re the victim of credit card fraud. The Visa Zero Liability Policy also extends to transactions made over the counter. This includes contactless payments using the Visa payWave feature and the Cash by Optus payment method.
Additionally, your account is monitored in real time for fraudulent transactions. If a transaction shows up that doesn’t fit your usual spending patterns, Heritage Bank will attempt to contact you to confirm the transaction. In some cases, if you can’t be contacted, a hold will be placed on your account preventing further use of the credit card.
If you believe someone is using your credit card without your permission, call Heritage Bank, and you may even need to speak to the police. The same applies if your Heritage Bank credit card is lost or stolen. You need to call the bank right away so your card can be blocked.
Heritage Bank credit card account holders are also members and part-owners of the bank. As a member, you’re entitled to special benefits as part of Heritage’s customer loyalty program. Get discounts and preferential seating for purchases at a number of online merchants including travel offers, romantic experiences, movie tickets, comedy shows and concerts.
Sally McMullen is a journalist with five years of experience covering credit cards and consumer finance. As co-host of the Two Broke Chicks podcast and co-author of Rich In Life, Sally shares valuable money-saving tips and life lessons with her audience. Sally was a Credit Cards Editor at Finder from 2015 to 2020.
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How can I apply Heritage Visa Card, no annual fees?
Finder
AngusDecember 2, 2024Finder
The only Heritage card which has no annual fee is the Heritage Classic Visa – but to get the fee waived on that card, you need to spend $25,000 each year. Hope this helps. You can compare other $0 annual fee cards here.
The Heritage Bank Visa Platinum Credit Card offers 0% p.a. interest rate on balance transfers, complimentary insurance, a concierge service and annual fee waiver.
A no-frills credit card with a balance transfer offer, $0 annual fee for the life of the card and a competitive interest rate on purchases and cash advances.
The Heritage Bank Classic Visa offers mobile payments, an annual fee waiver and Heritage Credits as you spend.
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How can I apply Heritage Visa Card, no annual fees?
The only Heritage card which has no annual fee is the Heritage Classic Visa – but to get the fee waived on that card, you need to spend $25,000 each year. Hope this helps. You can compare other $0 annual fee cards here.