Frequently Asked Questions

How can I earn more Heritage Credits?

To earn more Heritage Credits, here are some tips: 

  • Stay banking with Heritage. If you're registered for Heritage Credits, you'll receive annual Membership Anniversary credits that increase over time the longer you bank with us.
  • Use your rewards credit card more. Make the most of Heritage Credits by putting purchases on your rewards credit card instead of a debit card. Make sure you understand how to make the most of your credit card interest free period so that you can pay your balance back and avoid big interest charges.
  • Add an additional cardholder to your credit card. Adding an additional authorised cardholder can boost the monthly spending on your card and earn you more credits. 
  • Spend at nominated partners. Heritage may offer additional credits for spending at nominated retailers which you can find a list of in the Heritage Credits portal.
More help

Scam alerts
Scam alerts & fraud protection
Fight scammers with our help. Learn how we protect you from fraud and become savvy at identifying scams with our help guides and security tips.
Contact us 24/7
Our local Australian contact centre is waiting for you. Call 13 14 22 or if overseas, call +617 4694 9000.