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?
Learn more
17 January 2022: The ground floor of our Head Office building in Toowoomba sustained significant water damage in a massive storm that hit the city on the weekend. As a result, our Plaza Branch and Business Banking Centre will NOT be open this week.
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
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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