Compare Credit Cards

This handy reference table lets you scroll through the benefits and features of all the credit cards on offer from Heritage Bank.

Key Fact Sheet on our Credit Card Products: Credit Card Key Fact Sheet

PlatinumClassicGold Low RateFreedom Visa
PlatinumClassicGold Low RateFreedom Visa
Ongoing Variable Interest Rate17.99%17.99%11.80%17.99%
FeaturesApply nowFind out moreApply nowFind out moreApply nowFind out moreApply nowFind out more
Interest Free Daysup to 55 daysup to 55 days0up to 55 days
Annual Fee$125$55$0$18
Annual Fee Waiver (Visa Purchase)$35,000$25,000N/A$10,000
Monthly Repayment3% or $303% or $303% or $303% or $30
Minimum Credit Limit$6,000$1,000$1,000$500
Maximum Credit LimitOn applicationOn applicationOn application$500
Rewards ProgramHeritage CreditsHeritage CreditsN/AN/A
For every whole $1000 spent per calendar month3 credits1 creditN/AN/A
Additional ServicesApply nowFind out moreApply nowFind out moreApply nowFind out moreApply nowFind out more
Visa EntertainmentYesYesYesYes
Select your own PINYesYesYesYes
24/hr 7 day customer service access by phone or internetYesYesYesYes
Emergency card replacementYesYesYesYes
Visa Emergency Assistance accessYesYesYesYes
Emergency cash disbursementYes (up to $6,000)Yes (up to $1,000)Yes (up to $5,000)Yes (up to $500)

On Visa purchases only, if full payment of the account balance is received by the due date for payment. Interest on Low Rate product is charged from date transaction is debited.

Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts.

On Visa purchases only. Excludes cash advances, credit charges and government charges.

For further information refer to the Platinum Insurance page.

For information on concierge services, visit or call 1800 639 607.

* 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.