Frequently Asked Questions

What counts as a qualifying purchase to earn Heritage Credits?

Most everyday spending where you use your card or digital wallet to make a purchase will count towards your qualifying spend on a Heritage Bank rewards enabled credit card. 

Transactions that don't count towards your spend are cash advances, interest charges, credit fees and charges, disputed transactions, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, bill payments using BPAY® or utility bills paid over the counter at a financial institution at Bank@Post outlet.

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.