Heritage Credits

Heritage Credits

Heritage Credits puts People first by rewarding our customers for their loyalty. If you have a credit card that is eligible for Heritage Rewards, or if you hold products from at least three of these different Heritage product categories, you will automatically be registered for Heritage Credits:

  • Savings/transaction account
  • Term deposit
  • Home loan
  • Personal loan
  • Credit card
  • Business loan

Registered members are eligible to receive 'Credits' for a wide range of activities including:

  • Spending on your credit card
  • Membership anniversaries
  • Spending at nominated bonus partners
  • Special promotions

Heritage Credits rewards points can be redeemed for range of products for your home and lifestyle as well as physical or electronic gift cards from a wide range of retailers. 

For full terms and conditions of the Heritage Rewards program, view the Guide to Heritage Credit Card Products.

Redeem to WIN

Redeem your Heritage Credits rewards points between 5 November and 31 December 2019 and you’ll go in the draw to win a five night holiday to Fiji!* Prize includes five nights’ accommodation for two people at The Pearl Resort and Spa Fiji, daily buffet breakfast, one 30-minute tropical spa massage per person, $1,300 Flight Centre voucher for use toward return economy airfares, $750 spending money and Heritage travel insurance.  Redeem now for your chance to WIN! View full terms and conditions. 

Redeem Now

Earning Credits

Account Type

How Credits are awarded

Heritage Visa Platinum credit card account

Every whole $1,500 spent per calendar month receives 3 Credits for that month

Heritage Visa Classic (excluding My First Credit Card) credit card account

Every whole $1,300 spent per calendar month receives 1 Credits for that month

Heritage Visa Gold (With Rewards) credit card account (no longer offered)

Every whole $1,400 spent per calendar month receives 2 Credits for that month

Years as a Heritage member
(Credits will be allocated on anniversary date)

- Heritage membership maintained for 2 to 4 years inclusive will receive 1 Credit each year

- Heritage membership maintained for 5 to 7 years will receive 2 Credits each year

- Heritage membership maintained for 8 years and beyond will receive 3 Credits each year

Redeeming Credits

You can view your Credits balance, browse the rewards range or make a redemption any time online or over the phone. 

Redeem online: Login to Heritage Online, and click the 'Services' tab, then select 'Rewarding You'.

Redeem over the phone: Call 13 14 22 and select Option 8