- Up to 25 days interest free1
- No annual fee in the first 12 months
- 13 month special introductory interest rate
- Earn Heritage Credits for every $1,000 spent per calendar month2
- Monthly repayments at 5% of balance or $30, whichever is greater3
- Credit limits from $1,000 to $10,000
- 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 photo4
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 over limit or past due amounts
4Image rules, terms and conditions and a fee apply
To approved applicants only. Fees, charges and conditions apply.