If you have a credit card that has Heritage Rewards or hold products from at least three different Heritage product categories, then you automatically qualify to earn Heritage Credits.
Heritage Credits puts People first by rewarding our customers for their loyalty. Registration is automatic if you have a credit card that has Heritage Rewards or if you hold products from at least three of these different Heritage product categories:
- Savings/transaction account
- Term deposit
- Home loan
- Personal loan
- Credit card
- Business loan
Registered members receive 'Credits' for a wide range of activities including:
- Spending on your credit card
- Membership anniversaries
- Spending at nominated bonus partners
- Special promotions
You can view your Credits balance or redeem Credits at any time online or over the phone.
Online: Login to Heritage online banking, and click the "Services" tab, then select “Rewarding You”
Phone: Call 13 14 22 and select Option 8
Current hot offers: View the latest newsletter
View Guide to Heritage Credit Card Products.
| Account Type | How Credits are awarded |
| Heritage Visa Platinum credit card account | Every whole $1,500 spent per calendar month receives 3 Credits for that month |
| Heritage Visa Classic (excluding My First Credit Card) credit card account | Every whole $1,300 spent per calendar month receives 1 Credits for that month |
| Heritage Visa Gold (With Rewards) credit card account (no longer offered) | Every whole $1,400 spent per calendar month receives 2 Credits for that month |
| Years as a Heritage member (Credits will be allocated on anniversary date) |
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