Credit Card Balance Transfer

Get a great deal when you transfer the balance from your non-Heritage credit card to a Heritage Visa card. See our current offers below:

Visa credit card product Rates/Term
Platinum 0% for 12 months
Gold Low Rate 0% for 12 months
  • Minimum transfer amount $200
  • Maximum amount 95% of your available credit limit

Apply for a balance transfer now.

Balance Transfer Calculator


Calculated over transfer interest rate term. This calculator is a guide only. Fees and government taxes and charges may apply to a balance transfer transaction.

This calculator is an estimate of the interest you could save by doing a balance transfer. It is a guide only and not a quote. The estimated savings assumes no transactions will be made on your credit card during the Balance Transfer period entered and does not take into account any repayments, fees or charges.

To find out more about the balance transfer facility, including detailed information on repayment amounts, drop into your local Heritage branch or phone the Queensland based Contact Centre on 13 14 22.

To approved applicants only. Fees and charges apply.

From time to time Heritage will have different balance transfer offers available on our Visa Card products. The availability of balance transfers for each product type is subject to change. Balance transfer requests are processed for approved applicants only and conditions, fees and charges apply. For further information refer to the Guide to Heritage Credit Card Products.

* 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.