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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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Gold Rewards

The Heritage Visa Gold Rewards card puts you first with a competitive interest rate while rewarding you for every dollar you spend.

Up to 25 days interest free¹
13-month special introductory interest rate
Receive Heritage Credits for every $1,000 spent per calendar month²
Credit limits from $5,000 to $50,000
Monthly repayments at 5% of balance or $30, whichever is greater ³
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 photo ⁴

¹Additional interest free days after statement date. On Visa purchases only, if full payment is received before interest free period expires

²On Visa purchases only. Excludes cash advances, credit charges and government charges

³Minimum repayment based on percentage of outstanding balance and is 5% or $30 whichever is greater, plus overlimit or past due amounts

⁴Image rules, terms and conditions and a fee apply

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