Heritage Bank
Heritage Bank

Heritage Visa Classic

Purchase Rate
16.99% p.a.
Cash Advance Rate
18.99% p.a.
Interest Free
Up to 55 days
Annual Fee
$55.00

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$55.00
Insurance Cover
for Purchases
Overseas ATM
Availability
Automatic Travel
Insurance

Rewards Program
  • Every whole $1,300 spent per calendar month receives 1 Credit for that month.

Fee & Repayments

Annual Fee $55.00
Annual Fee First Year $55.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 3% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $20.00

Rewards Program

Rewards Points per Dollar
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* -
Frequent Flyer Ratio
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* -
Lifetime of Points 36 months
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines
International Airlines
Conditions

Other Charges

Duplicate Statement Fee $7.50
Overseas ATM Balance Fee $5.00
Transaction Verification Fee $0.00
Overseas ATM Withdrawal Fee $2.50
Over Limit Fee $0.00
Overseas Emergency Card Replacement Fee $200.00
Terms & Conditions

* 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).

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