Visa Classic Credit Card

Our Visa Classic Credit Card has a low annual fee, limits starting from $1,000 and up to 55 days interest free* on Visa purchases. 


  • Credit limits from $1,000
  • Up to 55 days interest free on Visa Classic purchases*
  • Earn one (1) Heritage Credit for every $1,300 spend per calendar month
  • Monthly repayments at 3% of balance or $30, whichever is greater^
  • Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch. 
  • Balance enquiries and cash advances at Heritage ATM's
  • Shop with confidence with Visa's Zero Liability policy#
  • Set up your digital wallet to make secure payments on the go
  • Access to Visa Offers + Perks 
  • Online shopping secured with Visa
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Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year

Interest Rate
Classic - Purchases
Classic - Cash Advances
Interest Rate
Interest Rate
Rates Effective From 17/08/2022

Annual Fee $55 (Waived when you spend $25,000/annum and over on Visa Purchases)

When you package your Visa Classic Credit Card or Visa Platinum Credit Card with an eligible home loan into our Home Advantage Package, your annual credit card fee will be waived. Learn more about our Home Advantage Package.

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Key Facts Sheet (PDF)
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Balance Transfer Calculator
Expense Planner
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Visa Secure
Visa Offers + Perks
Visa payWave

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.