- Up to 25 days interest free1
- No annual fee in the first year
- 13 month introductory rate available
- Monthly repayments of 5% of balance or $30, whichever is greater2
- Credit limit $500
- Card can be linked to transaction accounts so you only need one card
- Wide range of payment options
- Balance enquiries and cash advances at Heritage ATMs and over 2,900 Network ATMs nationwide
- Access to Visa Entertainment
- Verified by Visa
- Enjoy faster payment for items under $35 with Visa’s small ticket transaction service
- Personalise your card with your own photo3
After six months of successfully managing your first credit card, we'd be delighted to talk to you about a higher limit or the possibility of switching to another Visa card.
1Additional interest free days after statement date. On Visa purchases only, if full payment is received before interest free period expires
2Minimum repayment based on percentage of outstanding balance and is 5% or $30 whichever is greater, plus overlimit or past due amounts
3Image rules, terms and conditions and a fee apply
To approved applicants only. Fees, charges and conditions apply.