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I'd Like To

Life Events

Life Events

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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

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

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 up to 25 days interest-free.

Gold Basic

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

Visa Debit

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

No Fee / Low Rate Cards

A lower interest rate on purchases with no reward schemes or extras.

No Frills Classic

Visa Classic

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

No Frills Gold

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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