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Choose Your Own Card

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

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.

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.

Security & Privacy

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

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No Frills Gold

With a low cost credit card interest rate, no frills but still lots of great features, this is one of our most popular cards.

No annual fee
No interest free days to suit those who carry over a balance
Monthly repayments of 5% of balance or $30, whichever is greater¹
Credit limits from $5,000 to $50,000
Card can be linked to transaction accounts so you only need one card
Wide range of payment options
Balance enquires 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 photo²

¹Minimum repayment based on percentage of outstanding balance and is 5% or $30 whichever is greater, plus overlimit or past due amounts

²Image rules, terms and conditions and a fee apply

To approved applicants only. Fees, charges and conditions apply.