Business Visa Credit Card

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

  • Business Credit 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
  • Up to 40 days interest free on your Visa purchases*
  • Multiple credit cards are issued under one overall approved limit, but each card has an individual spend limit
  • Minimum facility limit of $1000
  • Minimum individual card limit of $500
  • Available with or without security, subject to certain amounts and lending criteria
  • Monthly repayments at 3% of balance or $30, whichever is greater ‡
Interest Rate
Business Visa Secured - Purchases and Cash Advances
Business Visa Unsecured - Purchases and Cash Advances
Interest Rate
Rates Effective From 01/04/2020

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 Visa ATM or counter withdrawals 

$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)# ~

#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

Business Payment Tools
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