How to avoid paying credit card interest and late fees
Understand how to avoid any extra fees and interest charges so you can make the most of your card.
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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.
About this Rate
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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 Annual fee waived when you spend $35,000/annum and over on Visa Purchases |
$55 Annual fee waived when you spend $25,000/annum and over on Visa Purchases |
$0 |
Heritage Credits rewards program |
||
|
Yes Earn three (3) Heritage Credits for every $1,500 spent per calendar month† |
Yes Earn one (1) Heritage Credit for every $1,300 spend per calendar month† |
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 |
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
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.
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