Credit Cards

At Heritage, we put People first with a range of credit and debit cards that offer exceptional value and benefits.


Earn valuable rewards, plus get the extras you’d expect from a premium card, like concierge and insurances.


Be rewarded for everyday spend. Access our loyalty program which has exciting bonus partners and rewards.

Gold Low Rate

Get real value for money with our low rate card with no annual fee.

Freedom Visa

A low credit limit card which is great for small, everyday purchases.

Visa Debit Card

Gives you the convenience of a credit card, but the security of using your own money.

Balance Transfer

Transfer the balance from your non-Heritage credit card to a Heritage Visa card.

Our latest awards

* 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.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at before you decide whether this product is right for you.