Heritage Credits

If you have a credit card that has Heritage Rewards or hold products from at least three different Heritage product categories, then you automatically qualify to earn Heritage Credits.

How it works

Heritage Credits puts People first by rewarding our customers for their loyalty. Registration is automatic if you have a credit card that has Heritage Rewards or if you hold products from at least three of these different Heritage product categories:

  • Savings/transaction account
  • Term deposit
  • Home loan
  • Personal loan
  • Credit card
  • Business loan

Registered members receive 'Credits' for a wide range of activities including:

  • Spending on your credit card
  • Membership anniversaries
  • Spending at nominated bonus partners
  • Special promotions


You can view your Credits balance or redeem Credits at any time online or over the phone.

Online: Login to Heritage online banking, and click “Rewarding You”

Phone: Call 13 14 22 and select Option 8

Current hot offers: View the latest newsletter (pdf, 1.35MB)

View Heritage Credits Terms and Conditions.

* Home loan comparison rate based on a $150,000 loan over 25 years.  Fixed loan comparison rate applies only for loans with an LVR of 80% or less and a loan amount of $150,000 to $249,999.  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.

Interest rates are on a per annum basis. Rates are correct as stated and subject to change without notice. Rates shown are for new loans and do not apply to switches or internal refinances.

Home Advantage Variable rates include discounts shown from the Standard Variable rate. Home Advantage Living Equity rates include discounts from the Living Equity rate. Discounts are based on total lending in the package. Discount Variable LVR rates are for new lending and include discounts from the Discount Variable Loan Rate.  Discounts are not available in conjunction with any other interest rate discount or special offer. All fixed rates are fixed for the period stated and revert to the variable rate applying at expiration of the fixed term. To approved applicants only. Conditions, criteria and fees apply.

Loan to Value Ratio (LVR) is the loan amount divided by the value of your security property (determined by Heritage Bank at assessment), multiplied by 100. Owner Occupied loans have a maximum LVR of 95%, Investment loans have a maximum LVR of 80% and Living Equity has a maximum LVR of 80%. Heritage is not accepting any new investment applications until further notice.

This advice has 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.

Generate a personalised Key Fact Sheet based on your loan amount, term and repayments. This tool is provided to help you compare home loans from Heritage with other financial institutions.