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.

* 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.