Platinum Features

The Platinum credit card is our premium card that comes with a competitive interest rate, but also a range of features such as complimentary insurances, a concierge service and an exciting rewards program.

Our most exclusive card. Ever.

  Balance Transfer Calculator

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  Concierge Service

Want to hire a private yacht in Fiji? Not a problem, it’s done. Need tickets to a show in Sydney? They’ll be waiting for you at the door. Looking for a romantic restaurant for two in Timbuktu? We know the perfect place.

All it takes is a phone call or mouse-click and we’re there to help; anytime, anywhere in the world. To contact your concierge service, simply call 1800 639 607 in Australia or find international numbers here.

  Visa Front Line Access

Imagine having first choice of seats to some of the most sought-after events in Australia. No queuing, no waiting. No missing out, no disappointment.

Visa Front Line Access enables you to reserve tickets to some of the biggest concerts, hottest shows and most exciting sports events, before pre-sales and before they go on sale to the general public.

  Travel Services

Your Platinum Visa allows you to travel in style with offers such as Airport Meet & Assist which makes business and personal travel easy. Plus Platinum Visa customers get global exclusive travel offers.

PlatinumClassicGold Low RateFreedom Visa
PlatinumClassicGold Low RateFreedom Visa
Introductory Rate (for the first 13 months period)8.95%8.95%n/a8.95%
Ongoing Rate after introductory period16.75%16.75%11.80%16.75%
FeaturesApply nowApply 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 Limit$500,000$50,000$75,000$500
Rewards ProgramHeritage CreditsHeritage CreditsN/AN/A
For every whole $1000 spent per calendar month3 credits1 creditN/AN/A
Additional ServicesApply nowApply 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)
InsuranceYesNoNoNo
ConciergeYesNoNoNo

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

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

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

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.

After introductory period (13 months), rate reverts to standard variable rate. Introductory rate available on new accounts only.

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

Image rules, terms and conditions and a fee apply

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,

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 visapremium.com.au or call 1800 639 607.

* 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.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at www.heritage.com.au) before you decide whether this product is right for you.