Business Visa Credit Card

Our Business Visa credit card gives business owners access to a credit card facility and the option of having multiple cards. 


  • Cards can be issued to business owners and their employees to pay for monthly fuel, accommodation and other business expenses
  • Allows personal and business expenses to be kept separate
  • Convenience to take care of business expenses without having to carry cheques and petty cash
  • Individual monthly spend limits are set by the business owner
  • Multiple cards are issued under one overall approved limit, but each card has an individual spend limit 
  • Interest-free period of up to 40 days (available on purchases only if full payment is received before the interest-free period expires)
  • Available with or without security, subject to certain amounts and lending criteria

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Interest Rate
Business Visa Secured
Business Visa Unsecured
Interest Rate
Interest Rate
Interest Rate
Rates Effective From 06/11/2018

Annual fee $45 per card
Direct debits and credits Free
One replacement card per account, per year

Other Fees

Additional replacement cards $10 per card
Manual Transfer Fee to a Heritage account (in branch upon request)


Manual Transfer Fee to an external payee (in branch upon request) $4.00

Overseas ATM or counter withdrawals (Visa)

$5.00 plus overseas currency conversion fee 

Bank@Post Transactions $3.00^
Cash Advance Fee 2% of the withdrawal amount (minimum fee of $2.50)# ~
^Bank@Post transactions are free for members for which a residential postcode recorded by Heritage is within the range 0000 to 3999 or 4311, 4312, 4313, 4360, 4361 and 4385 to 9999. 

#Cash Advance Fee applies whenever one of the following transactions are performed; Cash withdrawal, cheque withdrawal, periodic payment, direct debit, manual transfer or debit transfer counter transactions at a Heritage Branch; ATM/EFTPOS cash withdrawal or transfer within Australia or overseas*; Cash withdrawal over the counter at another financial institution (domestically or overseas*); Heritage Access Line Transfer; Heritage Online transfer (including payments made by Mobile Banking and New Payments Platform transfers) and withdrawals through Bank@Post (including purchase withdrawals with a cash out component). Other fees may also be applicable for certain cash advance transactions.

~Transactions performed in a currency other than Australian Dollar (AUD) also have Overseas Currency Conversion Fee charged

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