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Introducing V.me

Learn about the easy, worry-free way to shop online without re-entering your card number.

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Create your own card

Choose Your Own Card

Personalise your card with Heritage’s unique Choose Your Own Card service.

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Visa Debit Card

payWave Visa Debit

For people who like the convenience of credit cards, but prefer to use their own money where EFTPOS isn’t available - over the phone, online or overseas.

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Verified By Visa

Get added assurance when shopping online. Verified by Visa is a service that lets you use a personal password with your Heritage Visa card.

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Security & Privacy

We take the ongoing trust that you place in us to protect your personal information very seriously.

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Credit Cards

At Heritage, we put People first with a range of credit and debit cards that offer exceptional value and benefits.


Find the card that is right for you

Check out the Heritage range of cards. There’s a Heritage card for every kind of person.

Rewards Cards

We put People first with a fantastic loyalty program that offers a wide range of exciting bonus partners and rewards.

Classic Rewards

Visa Classic

Be rewarded for every day spend.

Gold Rewards

payWave Visa Gold

Earn valuable Credits and enjoy a great range of rewards.

Starting Out

This is a great card for people starting out in life or perhaps working part-time.

My First Credit Card

Visa Classic

Low credit limits, and no annual fee in the first 12 months.

Low Fee Cards

Reduce your credit card costs with one of our low fee cards.

Classic Basic

Visa Classic

A great everyday card with no annual fee in the first year and a maximum interest free period of 55 days.

Gold Basic

payWave Visa Gold

A low annual fee card with credit limits from $5,000 to $50,000.

Visa Debit Card

For people who like the convenience of credit cards, but prefer to use their own money.

Visa Debit Card

payWave Visa Debit

Use your own money where EFTPOS isn’t available - over the phone, online or overseas.

No Fee / Low Rate Cards

Get real value for money with our $0 annual fee cards.

No Frills Classic

Visa Classic

A simple everyday card with no annual fees and a low interest rate.

No Frills Gold

payWave Visa Gold

A no frills card. No annual fees and a low interest rate.

At Heritage we recognise and reward loyalty

Here’s another way Heritage puts People first. If you have Classic Rewards, Gold Rewards or hold three Heritage products from selected product categories, we’ll reward you with Credits that can be spent on a variety of items including gift cards, home wares, appliances and more.

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