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Heritage Visa Classic with Rewards

 
 
Product Image


Purchase Rate 16.75%
Cash Advance Rate 16.75%
25 days
Interest Free
$48
Annual Fee
  • Introductory Rate 8.95%for first 12 months

    • Card Details

    Rewards Program Y Overseas ATM Availability N
    Insurance Cover for Purchases N Interest Paid on Credit Balance N
    Automatic Travel Insurance N    


     
    • Every whole $1,000 spent per calendar month receives 1 Credit for that month.
     
    Rewards Points per Dollar
    Spend to Redeem $100 Gift Card* $64000
    Spend at Loyalty Partner for $100 Gift Card*
    Linked to Frequent Flyer Y
    Frequent Flyer Ratio
    SPEND FOR SYD/MEL RETURN*


    Lifetime of Points 48 months
    Rewards Program Partners
    Rewards Bonus Points Partners
    Domestic Airlines
    International Airlines
    Conditions
    Annual Fee $48 Minimum Repayment 5%
    Annual Fee First Year $0 Interest Charged From PurchaseDate
    Rewards Joining Fee 0 Late Payment Fee $20
    Supplementary Card Fee    
    Duplicate Statement Fee $7.5 Overseas ATM Balance Fee $0
    Transaction Verification Fee $0 Overseas ATM Withdrawl Fee $5
    Over Limit Fee $20 Overseas Emergency Card Replacement Fee $200
     

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    * For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

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    Visa® is a registered trademark of Visa International Services Association.
    The MasterCard® brand is a registered trademark of MasterCard International Incorporated.