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

Online security when using computer
Latest scam alerts & fraud protection
Stay scam aware with our latest scam and security alerts. Browse our frequently asked questions and learn how we protect you from fraud at Heritage Bank.
Contact us 24/7
Our local Australian contact centre is waiting for you. Call 13 14 22 or if overseas, call +617 4694 9000.