Compare Credit Cards

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

Feature	Classic Rewards Hide	Gold Rewards Hide	Classic Basic Hide	Gold Basic Hide	No Frills Classic Hide	No Frills Gold Hide	My First Credit Card Hide
Interest free daysHide Row	25 ¹	25 ¹	25 ¹	25	0 ²	0 ²	25 ¹
Annual feeHide Row	$48	$90	$18	$36	$0	$0	$18
Annual fee in the first yearHide Row					N/A	N/A
Annual fee waiver (Visa Purchase)Hide Row			$10,000	$20,000	N/A	N/A	$10,000
Introductory variable rate for the first 13 months periodHide Row	8.95%	8.95%	8.95%	8.95%			8.95%
Ongoing variable rate after introductory periodHide Row	16.75%	16.75%	16.75%	16.75%	11.80%	11.80%	16.75%
Monthly repaymentHide Row	5% or $30	5% or $30	5% or $30	5% or $30	5% or $30	5% or $30	5% or $30
Minimum credit limitHide Row	$1,000	$5,000	$1,000	$5,000	$1,000	$5,000	$500
Maximum credit limitHide Row	$10,000	$50,000	$10,000	$50,000	$10,000	$50,000	$500
Rewards programHide Row	Heritage Credits	Heritage Credits	N/A	N/A	N/A	N/A	N/A
For every whole $1000 spent per calendar monthHide Row	1 credit	2 Credits	N/A	N/A	N/A	N/A	N/A
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Additional Services

Feature	Classic Rewards Hide	Gold Rewards Hide	Classic Basic Hide	Gold Basic Hide	No Frills Classic Hide	No Frills Gold Hide	My First Credit Card Hide
Visa EntertainmentHide Row
Select your own PINHide Row
24/hr 7 day customer service access by phone or internetHide Row
Visa Emergency Assistance accessHide Row
Emergency card replacementHide Row
Emergency cash disbursementHide Row	yes (up to $1,000)	yes (up to $5,000)	yes (up to $1,000)	yes (up to $5,000)	yes (up to $1,000)	yes (up to $5,000)	yes (up to $500)
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	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now

Rates effective from 1 December 2011 and subject to change without notice. All rates are calculated on a per annum (p.a.) basis.

Additional interest free days after statement date. On Visa purchases only, if full payment is received before interest free period expires.
Interest on No Frills product is charged from date transaction is debited
On Visa purchases only. Excludes cash advances, credit charges and government duties.
Minimum repayment based on percentage of outstanding balance is 5% or $30.00 whichever is the greater, plus overlimit or past due amounts
On Visa purchases only. Excludes cash advances, credit charges and government charges.
Conditions apply

* After introductory period (13 months), rate reverts to standard variable rate. Introductory rate available on new accounts only.

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

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