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.
By Yvonne Taylor | Verified by David Boyd | Updated 2 Nov 2023
As seen on
Comparing Heritage Bank credit cards
Balance transfer
N/A
Purchase rate
17.99% p.a. ongoing
Annual fee
$55.00 p.a. ongoing
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
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
17.99% p.a. ongoing
Annual fee
$125.00 p.a. ongoing
Highlights
- 0% p.a. for 12 months on balance transfers with no balance transfer fee on amounts transferred (reverts to 19.99% p.a. thereafter).
- $125 p.a. annual fee waived when you spend $35,000 or more.
- Earn 3 Heritage Credits for every $1,500 spent per calendar month.
Pros
Cons
Balance transfer
12 months at 0% p.a.
Purchase rate
11.8% p.a. ongoing
Annual fee
$0.00 p.a. ongoing
Highlights
- $0 p.a. annual fee.
- Save on low interest of 11.80% p.a. on purchases.
- Cash advance rates are comparatively low at 11.80%, which is lower than the standard rate of many other cards.
