Visa Debit

Using a Visa Debit card is just like using your own cash. It helps you keep control of what you spend because you pay for your purchases directly from your own account.

  • Simple and convenient
  • Accepted at Visa outlets anywhere in Australia or around the world
  • Accepted at EFTPOS outlets, financial institutions and ATMs displaying the Visa logo
  • Lets you make cash withdrawals, pay bills, and make purchases over the phone or internet
  • Visa Debit cards are available on both personal and business access accounts
  • You can use Visa payWave for purchases under $100 at participating merchants
  • Enjoy faster payment for items under $35 with Visa’s small ticket transaction service
  • Access to Visa Entertainment

Save Fees

  • When you make a purchase, simply press the “credit” button instead of “cheque” or “savings” and the purchase will be free of Heritage transaction fees1
  • This means you save money on every EFTPOS transaction. It's a saving that really adds up
  • At some merchants, purchases using your Visa Debit card can only be made by pressing the “cheque” or “savings” button
  • Transactions made using the “savings” or “cheque” option will be processed to your transaction account as chargeable EFTPOS transactions under the transaction fee structure that applies to that account

To order a Visa Debit card for your account call 13 14 22, visit your local branch or fill out an online enquiry form.

1Purchases in a foreign currency attracts a foreign currency conversion service fee in AUD amount.

Visa Debit subject to application and approval. Please read the Guide to Heritage Deposit Products (available in branch, by phoning 13 14 22 or here) and consider whether this product is right for you.

* 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.