Heritage Bank Classic Visa Credit Card
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CardIQ
Fair
Overall score, out of 100 · How this works
- 55 days interest-free54
- Low rate56
- Rewards22
Customer reviews
Based on 6 reviews
Most of the praise went to fees and customer service.
Grateful that they gave credit to a pensioner
When I approached the Heritage Building Society for a Visa credit card they were not 100% sure of my ability to manage it. However, rather than refuse me (as I would expect from most credit providers) the Credit Manager gave me an option. I was required to hold $500 in my…
No fancy stuff, just exactly what I need
I’m very happy with this card. There’s no fancy stuff but it does exactly what I need. It was extremely easy to apply for and the staff at Heritage Bank were extremely easy to deal with. I’ve never had any issues with my statements or with repayment options. I would recommend…
Low interest rate, low annual fee
This card is quite a good credit card with a low interest rate, although not as low as when I first got it. But it is a great card with a low annual fee. Rewards are okay if you spend a fair bit each month, but not if you only use the card now and again.
Use it wisely for great rewards
I have this card as part of Heritage Bank’s old Mortgage Crusher bundle. The rewards seem fair, particularly if you use the card to pay most of your household bills. I’ve had a number of gift cards for Bunnings and Woolworths as a result, which has helped us out a little during…
Great low-cost, efficient card
This company and the credit card are great, low cost and super efficient. Never had a problem paying for things either in person or online — this card is great! Super easy app that goes with it that is direct and simple. Never had any problems at all. Easy, fluent, fun, and…
I am very pleased with my card
I have both a credit and a debit credit card with Heritage Bank. I have banked with this company for 40 + years and have always found them to completely trustworthy, with great customer service and care. Their fees are lower than any of the larger banks and they automatically…
Pros & cons
What's good
- The 17.99% p.a. purchase rate is below the 18.99% p.a. market median.
- Points don't expire while your account is open and in order.
Worth noting
- Earns 1 Heritage Credit per $1,300 on everyday spend, below the dataset average.
- 3% foreign transaction fee on overseas spending.
- No balance transfer or introductory purchase offer.
Card details
The basics
- Additional cardholder fee
- $8 p.a.
- Card tier
- Standard
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $50,000
- Credit rating
- Good
- Rewards program
- Heritage Credit Rewards
Eligibility
- Instant approval
- No
- Joint application
- Yes
- Membership
- Not yet verified
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 19.99% p.a.
- Purchases
- 17.99% p.a.
Fees
- Additional cardholder fee
- $8
- Annual fee
- $55 p.a.
- Cash advance fee
- 2% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 55 days on purchases
- Minimum repayment
- 3% of the closing balance or $30, whichever is greater
Balance transfers
This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
Earn rate
- Everyday spend
- 1 Heritage Credit per $1,300
- Bonus categories
- None
- Other purchases
- None
- Overseas spend
- None
- ATO/government
- None
- Reduced rate above monthly cap
- None
- Points cap
- Uncapped
- Points expiry
- Points don't expire while your account is open and in order.
Sign-up bonus
- Bonus spend required
- —
- Sign-up bonus
- —
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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- Heritage Bank Classic Visa Credit CardvsAmerican Express Velocity Platinum Card
- Heritage Bank Classic Visa Credit CardvsANZ First
- Heritage Bank Classic Visa Credit CardvsANZ Frequent Flyer Black
- Heritage Bank Classic Visa Credit CardvsANZ Frequent Flyer Platinum
- Heritage Bank Classic Visa Credit CardvsANZ Low Rate - Credit Back Offer
- Heritage Bank Classic Visa Credit CardvsANZ Platinum Credit Card
- Heritage Bank Classic Visa Credit CardvsANZ Rewards Black Credit Card
Browse by card type
Compare the Heritage Bank Classic Visa Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Heritage Bank