Visa Platinum Credit Card

Our Visa Platinum Credit Card is a premium card with interest free days, 0% interest balance transfer, Platinum Insurance cover and a great rewards program.


  • Up to 55 days interest free for your Visa purchases~
  • 0% interest on balance transfers for 12 months*
  • Earn three (3) Heritage Credits for every $1,500 spent per calendar month#
  • Platinum Insurance cover for travel overseas and in Australia, purchases, extended warranties, and more.
  • Monthly repayments at 3% of balance or $30, whichever is greater
  • Shop with confidence with Visa's Zero Liability policy
  • Set up your digital wallet to make secure payments on the go
  • Credit limits from $6,000

More features

  • Visa Offers + Perks
  • Cancel or lock your cards and block selected transaction types in our Mobile Banking App
  • Concierge service: Want tickets to a show, a restaurant recommendation, or a holiday booked? All it takes is a phone call or mouse-click and we’re there to help; anytime, anywhere in the world
  • Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch 
  • Balance enquiries and cash advances at Heritage ATMs
We will try to call you today or within the next 2 days.
Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year

Interest Rate
Platinum - Purchases
Platinum - Cash Advances
Interest Rate
Interest Rate
Rates Effective From 17/08/2022

Annual Fee $125 (Waived when you spend $35,000/annum and over on Visa Purchases)
More Visa Platinum Benefits
Platinum Credit Card Insurance

Complimentary insurance for Heritage Visa Platinum Credit Card customers.

Travel Services
Your Platinum Visa allows you to travel in style with access to a range of Visa Premium rewards, deals and discounts.
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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.