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Credit Cards

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

Find the card that is right for you

Check out the Heritage range of cards. There’s a Heritage card for every kind of person.


Visa Platinum

Earn valuable rewards, plus get the extras you’d expect from a premium card, like concierge and insurances.

Freedom Visa

Visa Classic

A low credit limit card which is great for small, everyday purchases.


Visa Classic

Be rewarded for everyday spend. Access our loyalty program which has exciting bonus partners and rewards.

Visa Debit Card

payWave Visa Debit

Gives you the convenience of a credit card, but the security of using your own money.

Gold Low Rate

payWave Visa Gold

Get real value for money with our low rate card with no annual fee.

Balance Transfer

Transfer the balance from your non-Heritage credit card to a Heritage Visa card.

At Heritage we recognise and reward loyalty

Here’s another way Heritage puts People first. If you have a credit card that has Heritage Rewards, or hold three Heritage products from selected product categories, we’ll reward you with Credits that can be spent on a variety of items including gift cards, home wares, appliances and more.

Find out more

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest rates are on a per annum basis. Rates and special offers are correct as stated but subject to change without notice. Discounts shown are not available in conjunction with any other interest rate discount or special offer, and do not apply to internal refinances.