What is a credit report?
When you apply for credit, your lender may seek your permission to check your credit report. But what is a credit report and how is it used?
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5 July 2022: Heritage is currently reviewing its position in relation to the RBA's decision to increase the Official Cash Rate. We'll make an announcement here as soon as we finalise our decision.
Compare Credit Cards
Platinum Credit Card |
Classic 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 |
||
| $125 | $55 | $0 |
Heritage Credits rewards program |
||
| Yes† | Yes† | No |
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 |
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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
- 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 Offers + Perks
- Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch
Lending interest rates explained
Whether it be for a home, car or other personal loan, what do the rates you see advertised actually mean?
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Tips for booking a holiday online
A little bit of holiday organisation is well worth the effort. Here's 6 tips for booking your holiday online.
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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.
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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.