Platinum Credit Card

Our premium card has a competitive interest rate, loads of features and a great rewards program. 

Features
  • Up to 55 days interest free for your Visa purchases~
  • Credit limits from $6,000 
  • Earn three Heritage Credits for every $1,500 spent per calendar month ^
  • Insurance cover for travel overseas and in Australia, purchases, extended warranties, and more.
  • Visa Front Line Access
  • Travel services
  • Monthly repayments at 3% of balance or $30, whichever is greater ‡
  • Wide range of payment options including BPAY, automatic credit card payments, internet banking transfers, and over-the-counter at your local branch  
  • Enjoy Visa payWave for purchases under $100 worldwide at participating retailers 
  • Balance enquiries and cash advances at Heritage ATMs
  • Cancel or place a card on hold, block online, international in-store, or all card payments 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. †
 
Rates

Interest Rate
Platinum - Purchases
Platinum - Cash Advances
Interest Rate
17.74%
Interest Rate
19.74%
Rates Effective From 18/07/2019
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Fees

Annual Fee $125
Annual Fee Waiver (Visa Purchase) $35,000
Concierge Service
Want to hire a private yacht in Fiji? Not a problem. It’s done. Need tickets to a show in Sydney? They’ll be waiting for you at the door. Looking for a romantic restaurant for two in Timbuktu? We know the perfect place.
Visa Front Line Access
Imagine having your first choice of seats to some of the most sought-after events in Australia. No queuing, waiting, missing out or disappointment. 
Visa Front Line Access enables you to reserve tickets to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.

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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