Heritage Bank credit cards

Compare Heritage Bank's credit card interest rates, fees, and features to make a more informed decision about your next credit card.

Yvonne Taylor avatar
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David Boyd avatar
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Updated 12 Mar 2025   |   Rates updated regularly

Comparing of 3 Heritage Bank credit cards

Heritage Classic Credit Card

Not available for application via this website

Heritage Classic Credit Card

Highlights

  • $1,000 minimum credit limit.
  • $55 p.a. annual fee waived when you spend $25,000 or more.
  • Earn 1 Heritage Credit for every $1,300 spent per calendar month.

Pros

  • Competitive annual fee.
  • Waived annual fee if you meet the criteria.
  • Enjoy 55 interest-free days on purchases.

Cons

  • Other cards have better rewards points earn rate ratios.
  • No balance transfer option.
Heritage Platinum Credit Card

Not available for application via this website

Heritage Platinum Credit Card

Highlights

  • Enjoy 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverting to 19.99% p.a. thereafter).
  • The annual fee of $125 p.a. is waived when you spend $35,000 or more.
  • Earn 3 Heritage Credits for every $1,500 spent per calendar month.

Pros

  • 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred.
  • Includes International Travel Insurance, Interstate Flight Inconvenience Insurance, Transit Accident Insurance, Purchase Cover Insurance, Extended Warranty Insurance, and Guaranteed Pricing Scheme.
  • Platinum-level concierge service, available round the clock.

Cons

  • Other cards offer a better rewards points earn rate ratio.
  • Ongoing interest rates are about average.
Heritage Gold Low Rate Credit Card

Not available for application via this website

Heritage Gold Low Rate Credit Card

Highlights

  • $0 p.a. annual fee.
  • Enjoy low interest of 11.80% p.a. on purchases.
  • Benefit from comparatively low cash advance rates at 11.80%, lower than the standard rate of many other cards.

Pros

  • No annual fee.
  • Low-interest rate.
  • 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 11.80% p.a. thereafter).

Cons

  • No interest-free days.
  • Not entitled to participate in Heritage Rewards program.

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