How to activate your Heritage Card

How to activate your Heritage Visa Debit or Credit Card

If you have just received a Heritage Visa Debit or Credit card, you will need to activate it before you can use it. To activate your card, visit your Mobile Banking App, log in to Heritage Online or call 13 14 22 to speak to one of our friendly team. Alternatively, you can pop into a branch and activate your card with us face to face.

Activate in Heritage Online

If you're registered for Heritage Online you can use this service.

Log in to internet banking. Select Services from the top menu bar then Activate a Card. Complete the details, click on submit and your card will be activated immediately. 

Activate in your Mobile Banking App

If you're registered for Heritage Online and have the Heritage Mobile Banking App, you can use this service. 

Login to the Heritage Mobile Banking App. Go to Manage Cards accessible on the home screen or in the ☰ menu. Find the card you wish to activate and tap to view card settings. Enter the Expiry Date and click on the Activate button. Your card will be activated immediately. 

Change or choose your PIN

  • If this card is replacing an expiring card, your PIN will remain the same.
  • If you you chose to have your PIN mailed to you, this will arrive separately within 7 days. If you do not receive your PIN call 13 14 22.
  • To change or choose your PIN online go to and follow the steps.
  • You can also change or choose your own PIN at your local branch.
Activate a gift card

Heritage Credits Rewards Gift Cards

For information about activating a gift card that was gained through the Heritage Credits rewards program, click here. These are gift cards issued by other companies, like Myers or Bunnings, that you have chosen to use your reward points on. 

Cash Passport

For information about your Heritage Cash Passport or Access Prepaid, a multi-currency prepaid MasterCard, click here. These cards are activated automatically when purchased and are ready to use within 2 business hours. 

Heritage Bank Prepaid Visa Gift Card

To activate your Heritage Gift Card, please visit Enter the 17 digit card number, along with the 4 digit code that is detailed in the attached letter.

Other gift cards

Heritage issues a wide range of VISA Prepaid cards on behalf of Prepaid Partners. These cards are generally branded with the prepaid partners artwork and say "Issued by Heritage Bank" on the back of the card. For all enquiries on these cards, first contact the card's branding company. Otherwise, contact Heritage on 13 14 22 or email Heritage's prepaid team