Explaining credit to teenagers
Understanding credit is an important life skill. Explaining credit to teenagers is important and reading our list of recommendations can help.
Learn more
27/03/2020:
Heritage Bank will cut interest rates in a move designed to help those hit hard by the COVID-19 downturn. Read more
With all our Credit Cards
- Set up Email or SMS alerts to keep track of transactions on your account
- Cancel or place your card on hold in our Mobile Banking App
- Block online, international, in-store or all card payments in our Mobile Banking App
- Visa Zero Liability~ on fraudulent transactions
- 24/7 Visa Global Customer Assistance Service
- Visa Entertainment
- Select your own PIN
Compare features
| Platinum | $6,000 |
| Classic | $1,000 |
| Gold Low Rate | $1,000 |
Maximum credit limit for all cards on application
| Platinum | Heritage Credits |
| Classic | Heritage Credits |
| Gold Low Rate | Nil |
| Platinum | Yes- learn more at Visa Premium online. |
| Classic | No |
| Gold Low Rate | No |
| Platinum – Purchases | 3 credits for every whole $1,500 spent per calendar month |
| Platinum – Cash Advances | Nil |
| Classic – Purchases | 1 credit for every whole $1,300 spent per calendar month |
| Classic – Cash Advances | Nil |
| Gold Low Rate – Purchases | Not applicable |
| Gold Low Rate – Cash Advances | Not applicable |
| Platinum – Purchases | Yes - learn more about Platinum Insurance |
| Platinum – Cash Advances | Not applicable |
| Classic – Purchases | No |
| Classic – Cash Advances | No |
| Gold Low Rate – Purchases | No |
| Gold Low Rate – Cash Advances | No |
With all our cards, you'll get access to emergency cash disbursement worldwide with Visa Global Customer Assistance Service. Cash disbursement must be within the available credit limit of your card. (Fees and limits may apply).
How much?
| Platinum - Purchases | |
| Platinum - Cash Advances | |
| Classic - Purchases | |
| Classic - Cash Advances | |
| Gold Low Rate- Purchases | |
| Gold Low Rate - Cash Advances |
| Platinum – Purchases | up to 55 days |
| Platinum – Cash Advances | 0 |
| Classic – Purchases | up to 55 days |
| Classic – Cash Advances | 0 |
| Gold Low Rate – Purchases | 0 |
| Gold Low Rate – Cash Advances | 0 |
| Platinum | $125 |
| Classic | $55 |
| Gold Low Rate | $0 |
Annual Fee waived if Visa purchases† exceed amount noted below during the year up to your anniversary date.
| Platinum | $35,000 |
| Classic | $25,000 |
| Gold Low Rate | Not applicable |
| Platinum | 3% or $30, whichever is greater |
| Classic | 3% or $30, whichever is greater |
| Gold Low Rate | 3% or $30, whichever is greater |
These articles may help you
Understand your credit card's interest free period
By understanding your card's interest free period, you can make sure your card (and money) is working for you in the best way possible.
Learn more
Tips to help get your personal loan approved
Whatever your reason for a personal loan, there are a few things you can do to help improve your likelihood of being approved for the funds you need.
Learn more
What to do if you lose your credit card
It's time to act quickly! Here's four things to do once you've realised you have lost your card.
Learn more
We are here to help
Our specialists will help you find the right product and support you through every step of your Credit Card purchase.
Or call 13 14 22 to speak to an expert