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#The Visa Zero Liability policy covers Australian issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions, conditions apply. Cardholders should review their transaction regularly and notify Heritage promptly of any unauthorised Visa use or contact heritage to find out more. You should be aware if you submit an unauthorised Visa transaction request, Heritage will need to review your request before provisional credit may be provided.

Outside Australian – equivalent to Australian dollar currency value.

The information provided is intended as general information only. Articles have been prepared without taking into account your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness having regard to your objectives, financial situation or needs. You should consider obtaining personal investment, taxation and/or legal advice before making any decision. Please consider the Guide to Heritage Deposit Products and Guide to Heritage Credit Card Products (available in-branch, or at www.heritage.com.au) before you decide whether a product is right for you. All loans and credit cards are subject to application and approval. Conditions, criteria and fees apply and are subject to change without notice.