Heritage Credits

Heritage Credits

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.

Earning Heritage Credits

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)
  •  Heritage membership maintained for 2 to 4 years inclusive will receive 1 Credit each year
  • Heritage membership maintained for 5 to 7 years will receive 2 Credits each year
  • Heritage membership maintained for 8 years and beyond will receive 3 Credits each year