How to activate your Heritage Card

If you have just received a Heritage Credit card or Visa Debit card, you will need to activate it before you can use it. To activate your card, you can either log in to Heritage Online Banking or call 13 14 72 and follow the prompts. Alternatively, you can call 13 14 22 to speak to one of our friendly card specialists or pop into a branch. 

Activate via Heritage Online Banking

You will need to have registered for online banking to use this service.

Once you have logged in to your online banking account, use the top menu bar and select the 'Services' option. Then select 'Activate Card'. Complete the details, click on submit and your card will be activated immediately. 

PIN details

When ordering a new or replacement Visa card, depending on whether or not this was via phone or in branch, you will be provided with the option of: 

  • Choosing your own PIN at the time of order (in branch only),
  • Having a PIN mailer sent to you or 
  • Selecting your own PIN though Heritage Online Banking
If you selected the PIN mailer, this will be mailed separately to your card. If you do not receive your PIN with seven days of receiving the card, please contact Heritage on 13 14 22.  

Activation of other Gift Cards

For information about activating a gift card that was gained through the Heritage 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.

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. 

To activate your Heritage Gift Card, please visit www.heritagebankgiftcard.com.au. Enter the 17 digit card number, along with the 4 digit code that is detailed in the attached letter. Activation will take an hour to process.

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.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.