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. 

Features

  • 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

Customer Satisfaction

It's a promise.

Heritage has won Mozo's 2018 People's Choice award for Outstanding Customer Satisfaction. Just another way we're putting People first.

Rates
Interest Rate
Business Visa Secured
Business Visa Unsecured
Interest Rate
10.65%
Interest Rate
12.95%
Interest Rate
Rates Effective From 06/11/2018
Fees

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

Other Fees

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

$2.50 

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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