Heritage Bank

Heritage Bank business loan

Heritage Bank Fully Drawn Business Loan

Heritage Bank Fully Drawn Business Loan

Highlights

Variable or fixed rates
Repayment term matched to the cash flow of the business
Preferred minimum amount $20,000, with no maximum

Heritage Bank credit cards

Heritage Platinum Credit Card

Heritage Platinum Credit Card

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

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

Heritage Gold Low Rate Credit Card

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.

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.

Heritage Classic Credit Card

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.

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