Credit Cards
Find the credit card that fits you

Rewards Card
  • Complimentary insurance
  • Rewards program
  • Credit limits from $6,000
  • Interest free days*
  • Balance transfer offer
Low Fee Card
  • Low annual fee
  • Rewards program
  • Credit limits from $1,000
  • Interest free days*
Low Rate Card
  • No annual fee
  • Low variable interest rate
  • Credit limits from $1,000
  • Balance transfer offer
Help me choose the right card

Heritage Bank Credit Cards with rewards or low fees
Find a credit card that fits you

With our credit card finder tool, we can help you find a card that suits your needs.


With all our cards

What makes our credit cards better?


Pay on the go

Add your card to your digital wallet to pay in-store, online and within apps.



Protected with Visa Zero Liability# against fraudulent transactions. Plus, lock or cancel your card or block selected transactions with our Mobile Banking App


Stay up to date

Set up Email or SMS Alerts to keep track of transactions on your account.

Instructions on how to activate your Heritage Visa Debit or Credit Card.

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Key Facts Sheet (PDF)
Why use a credit card?
Balance Transfer Calculator
Expense Planner
Personal loan calculator
Visa Secure
Visa Offers + Perks
Visa payWave
Credit cards with rewards

Earn Heritage Credits reward points and get up to 55 days interest free* with a Heritage Platinum or Classic Visa Credit Card.
Platinum Credit Card

Our premium Platinum Credit Card has a competitive interest rate, 0% balance transfer offer, complimentary insurance and a great rewards program, with credit limits starting from $6,000.

Classic Visa Card
Our Classic Visa Card offers a competitive interest rate, low annual fee and credit limits starting from $1,000.
Why Heritage?

People first. Always.

We've been committed to Australian communities since 1875. In a world where so much has changed, our mission to put people before profits, never has. Learn more

Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with card management, how to repay your credit card and lots more.  Tap here for live assistance.