Why choose Heritage Bank

Benefits

  • No-annual-fee option
  • Low-rate option
  • Rewards scheme option

Drawbacks

  • Charges an annual fee on most cards
  • Charges a late payment fee
  • Balance transfer not available

Heritage Bank Credit Cards

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Australian Credit Licence 244310Fees & charges apply

17.99%

Not Applicable

55

$55

Heritage Bank Classic
  • Apple, Google & Samsung Pay
  • Low annual fee

Australian Credit Licence 244310Fees & charges apply

Australian Credit Licence 244310Fees & charges apply

17.99%

0%

55

$125

Heritage Bank Platinum
  • Balance Transfer
  • Apple, Google & Samsung Pay
  • Balance transfer

Australian Credit Licence 244310Fees & charges apply

Australian Credit Licence 244310Fees & charges apply

11.80%

0%

$0

Heritage Bank Gold Low Rate
  • Balance Transfer
  • Apple, Google & Samsung Pay
  • Balance transfer
  • No annual fee

Australian Credit Licence 244310Fees & charges apply

About Heritage Bank credit cards

Heritage Bank offers a range of credit cards, including low rate, no annual fee, classic and platinum options. Because of the wide variety, Heritage Bank credit cards may be suitable for a number of different customers, like budget card holders and rewards-seekers.

A Heritage Bank rewards card may be suitable for those who want to earn rewards as they spend. In addition to Heritage Credits, rewards card customers gain access to insurance cover and a concierge service.

Heritage Bank credit card rates vary from product to product, but tend to be in the middle of the market. The interest rates range from moderately low to moderately high depending on the card you choose. In general, platinum cards incur a higher interest rate.

The fees charged by Heritage Bank are also in the middle of the market. Annual fees range from no annual fee to moderately high, and all cards charge a moderate late payment fee.

Heritage Bank credit cards review

Heritage Bank delivers a credit card offering suitable for both budget customers and rewards-seekers. Budget card holders may be well suited to a low-rate option, while high spenders and reward-seekers may be better suited to a rewards card.

Some Heritage Bank credit cards feature perks such as no annual fee, or access to a rewards scheme.

Heritage Bank credit card rates range from moderately low to moderately high, making them suitable for a variety of customers. Similarly, fees tend to remain in the middle of the market.

Heritage Bank credit cards offer a moderate number of interest-free days, and your credit limit may range from low to moderate depending on the card you choose.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.