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Heritage Bank Business Visa secured credit card

Take advantage of a low 10.15% p.a. interest rate for your business purchases when you get a Heritage Bank Business Visa secured credit card.

Apply for the Heritage Bank Business Visa and secure the account with an eligible asset to take advantage of this competitive interest rate. You also get up to 40 days interest-free on purchases and the option of additional cards for employees.

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10.15% p.a.

Purchase rate

$45 p.a.

Annual fee

40 days

Interest free period

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Product NameHeritage Bank Business Visa Secured Credit Card
Balance transfer revert rateCash Advance Rate (10.15% p.a.)
Purchase rate p.a.10.15%
Annual fee$45
Interest-free periodUp to 40 days on purchases
Cash advance rate10.15% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • Low 10.15% p.a. interest rate on purchases and cash advances
  • Offers one free card replacement annually
  • Comes with MYOB and Xero integration


  • Offers 40 days interest-free on purchases, compared to other cards that offer up to 55 days
Bonus pointsN/A
Annual fee$45
Minimum monthly repayment3% of the closing balance or $30, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Overseas cash advance fee$5
Overseas ATM withdrawal fee$5
Additional cardholder fee$45

Review by

Amy has been writing about personal finance for more than 13 years – including over 700 articles as a senior writer for Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries. Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

This is one of the few secured credit cards available in Australia, offering a more competitive interest rate when you secure your Heritage Bank Business Visa against some form of collateral. If you do get a secured account, you’ll enjoy an interest rate of 10.15% p.a. for purchases and cash advances. In comparison, an unsecured Heritage Bank Business Visa credit card account offers an interest rate of 12.45% p.a.

How to apply

You can apply for a Heritage Bank Business Visa secured credit card by visiting a branch or by phoning 1300 278 924. 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

  • 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 a minimum of $500 and cannot exceed the account's overall approved limit. Each card also has an annual fee of $45.
  • MYOB and Xero integration. You can add this account to your MYOB or Xero bank feed to help speed up reconciliations and other accounting tasks.

Rates & fees

  • Annual fee. This account has an annual fee of $45 per card.
  • Purchase rate. The 10.15% p.a. interest rate you get by securing this card is 2.3% p.a. lower than the rate offered on an unsecured Heritage Bank Business Visa.
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