Compare Credit Cards

Let us help you compare credit card interest rates and features with Heritage. When you find the card that best suits you, quick start your application online today.

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Platinum Visa Credit Card
   Platinum Credit Card
Classic Visa Credit Card
   Classic Credit Card
Gold Low Rate Credit Card
   Gold Low Rate Credit Card

Minimum Credit Limit

$6,000 $1,000 $1,000

Interest free days

up to 55 days* up to 55 days* Nil

Interest Rate on Purchases


Balance Transfer

0% for 12 months No 0% for 12 months

Annual fee


Annual fee waived when you spend $35,000/annum and over on Visa Purchases


Annual fee waived when you spend $25,000/annum and over on Visa Purchases

Heritage Credits rewards program 


Earn three (3) Heritage Credits for every $1,500 spent per calendar month


Earn one (1) Heritage Credit for every $1,300 spend per calendar month

Complimentary Insurance

Yes - Platinum Insurance No No

Interest Rate on Cash Advances


Maximum Cash Advance amount per day

$5,000 $1,000 $1,000
Apply for our Platinum card Apply for our Classic card Apply for our Gold Low Rate card
With all our Credit Cards
With all our Credit Cards
  • Set up Email or SMS alerts to keep track of transactions on your account
  • Add to your digital wallet to pay in-store, online and within apps
  • Cancel or place your card on hold in our Mobile Banking App
  • Select your own PIN
  • Visa payWave
Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year

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.