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

Customer Satisfaction

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

Interest Rate
Business Visa Secured
Business Visa Unsecured
Interest Rate
Interest Rate
Interest Rate
Rates Effective From 02/07/2018

General Fees Fee Amount
Annual fee $45 per card
Minimum facility limit $1,000
Minimum individual card limit $500
 Cards available to Business principals and employees
 Interest free days Up to 40
Monthly repayment Great of 3% or $30
Bank@Post Transactions $3.00
Manual Transfer Fee
Whenever we manually transfer funds from your Card Account
$2.50 (transfer to Heritage account)
$4.00 (transfer to external payee)

 Cash Advance Fee
Whenever one of the following transactions are performed:

  • Cash withdrawal, cheque withdrawal, manual transfer or debit transfer counter transactions at Heritage branch or mini branch
  • ATM cash withdrawal or transfer within Australia
  • ATM cash withdrawal overseas*
  • Cash withdrawal over the counter at another financial institution (domestically or overseas*)
  • Heritage Access Line Transfer
  • Heritage on-line transfer
  • Withdrawals through Bank@Post
 2% of the withdrawal account (minimum fee of $2.50)

(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
 One replacement card per account (per year) $0
Subsequent replacement cards $10
Emergency replacement card (within Australia) when replacement card is requested to be delivered within 5 days $25
Emergency replacement card (outside Australia) when replacement card is requested to be delivered within 5 days $200
Overseas currency conversion charged on Visa purchases or cash advances in a foreign currency 3% of the Australian dollar amount
Visa card transaction slip refunded if transaction incorrectly debited $12 per item
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