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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Compare
Product Name Card
Heritage Bank Classic
Apple, Google & Samsung Pay
Low annual fee
Australian Credit Licence 244310
Purchase Rate
Interest Free Days
Annual Fee
Late Payment Fee

Purchase Rate

17.99%

p.a

Interest Free Days

55

Annual Fee

$55

$20

Go to site
Australian Credit Licence 244310
Compare
Product Name Card
Heritage Bank Platinum
Apple, Google & Samsung Pay
Balance transfer

Balance Transfer

0% on Balance Transfers for 12 months
Australian Credit Licence 244310
Purchase Rate
Interest Free Days
Annual Fee
Late Payment Fee

Purchase Rate

17.99%

p.a

Interest Free Days

55

Annual Fee

$125

$20

Go to site
Australian Credit Licence 244310

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.