Platinum Insurance

The Heritage Platinum Credit Card comes with a range of fantastic benefits including complimentary insurance. Details of the insurance, including cover inclusions, exclusions and limits, are outlined in the Visa Platinum Credit Card Complimentary Insurances brochure. 

Here are some of the highlights:

International Travel Insurance*
Up to three months overseas travel insurance for selected insurable events when you pay for the travel costs using your Visa Platinum Credit Card prior to departure.

Interstate Flight Inconvenience Insurance*
If travelling for up to 14 days within Australia, you can be reimbursed for a range of losses and inconveniences.

Transit Accident Insurance*
Transit Accident Insurance covers the cardholder for specific injuries sustained whilst on a trip during transit, which has been paid for on your card.

Purchase Cover Insurance*
Many new personal goods you purchase on your card are protected against loss, theft or damage for up to 90 days.

Extended Warranty Insurance*
Extended Warranty Insurance extends the Australian warranty on covered products that have been purchased on an eligible card, in the event that the product fails or breaks down.

Guaranteed Pricing Scheme*
If you discover within 60 days of buying a product that another store is now advertising the same product for a cheaper price, claim for the difference in price, provided that it is more than $75. 

How to make a claim

While overseas: If you have an emergency whilst overseas you can call Allianz Global Assistance in Australia at any time on +61 7 3305 7499. Reverse charge calls to this number can be made from many countries via Australia Direct®, Telstra’s international reverse charge service. For 24 hour emergency assistance within Australia, please call 1800 010 075.

For all other claims and enquiries within Australia, please call Allianz Global Assistance on 1800 785 074 or 

Alternatively , you can make a claim online via the Allianz Global Assistance Portal.

Please do not contact Heritage Bank in the event of a claim as we are not involved in processing insurance claims. Please contact Allianz Global Assistance.

Complimentary Insurance and Guaranteed Pricing Scheme Insurance provided automatically to cardholders under a group policy issued by AWP Australia Pty Ltd ABN 52 097 227 177 (AFSL No. 245631) trading as Allianz Global Assistance (under a binder from Allianz Australia Insurance Limited ABN 15 000 122 850 (AFSL No. 234708)) to Heritage Bank Limited ABN 30 087 652 024 (AFSL No 240984).

* 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.