Business Visa

The Business Visa credit card gives business owners access to a credit card facility and the option of having more than one card.


  • Cards can be issued to business owners and their employees to pay for monthly fuel, accommodation and other business expenses.
  • Convenience to take care of business expenses without having to carry cheques and petty cash
  • Individual monthly spend limits are set by business owner
  • Multiple cards issued under one overall approved limit but with individual spend limits for each card
  • Interest free period of up to 40 days (available on purchases only if full payment is received before the interest free period expires)
  • Available with or without security subject to certain amounts and lending criteria
  • Allows personal and business expenses to be kept separate
  • Cash advances at Heritage ATMs and over 2,900 Network ATMs nationwide

Rates & Fees

Interest Rate

business visa secured10.65%
business visa unsecured12.95%
Rates effective from 24/08/2016
General Fees Fee Amount
Annual fee $45 per card
Minimum facility limit $1000
Minimum individual card limit $500
Cards available to Business principals and employees
Interest free days Up to 40
Monthly repayment Greater of 3% or $30
Bank@Post transactions
Manual Transfer Fee
Whenever we manually transfer funds from your Card Account
$2.50 (transfer to Heritage account)
$4.00 (transfer to external payee)
Network ATM Fee
Whenever you obtain a cash advance or undertake a balance enquiry at a Network ATM
Cash Advance Fee
Whenever one of the following transactions are performed:
  • Cash withdrawal, cheque withdrawal, manual transfer or debit transfer counter transactions at Heritage branch or mini branch
  • ATM cash withdrawal or transfer within Australia
  • ATM cash withdrawal overseas*
  • Cash withdrawal over the counter at another financial institution (domestically or overseas*)
  • Heritage Access Line Transfer
  • Heritage on-line transfer
  • Withdrawals through Bank@Post
2% of the withdrawal account (minimum fee of $2.50)

(Other fees may also be applicable for certain cash advance transactions)

*Transactions performed in a currency other than Australian Dollar (AUD) also have Overseas Currency Conversion Fee charged

One replacement card per account (per year) $0
Subsequent replacement cards $10
Emergency replacement card (within Australia) when replacement card is requested to be delivered within five days $25
Emergency replacement card (outside Australia) when replacement card is requested to be delivered within 5 days $200
Overseas currency conversion charged on Visa purchases or cash advances in a foreign currency 3% of the Australian dollar amount
Visa card transaction slip refunded if transaction incorrectly debited $12 per item

To approved applicants only. Fees, charges and conditions apply.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.