Refer a friend

Refer a Friend is no longer an active promotion.

Referrals made prior to 31 July 2025:

• If by 31 July 2025 a new member joined as a result of referral, takes out an eligible Heritage branded product, and the promotion terms and conditions are otherwise satisfied, then both the referrer and the new member will go in a draw for a $1,000 cash prize each (draws will take place for May, June and July 2025, but no further draws will follow).
• If the new member joined as a result of referral by 31 July, and takes out an eligible loan which is funded by 31 October 2025, then both the referrer and the new member will receive a cash reward of $250. Any loans funded after 31 October 2025 will not result in a reward being paid.