Heritage Credit Cards | Australia's Largest Customer Owned Bank

Heritage Credit Cards

Compare credit cards from Heritage, Australia’s biggest customer-owned bank, and see what you can save.

1 review
$0 p.a. annual fee. You can’t get better than that!
Low ongoing interest rates on purchases and cash advances.
Credit limits start at $1,000
People are happy
Rated 4.8 out of 5 for customer satisfaction.
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$0 p.a. annual fee. You can’t get better than that!
Low ongoing interest rates on purchases and cash advances.
Credit limits start at $1,000
More info
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11.55% p.a.
ongoing
$0
ongoing
$1,000 Minimum credit limit.
$55 p.a. annual fee waived when you spend $25,000 and over on Visa Purchases.
Earn 1 Heritage Credit for every $1,300 spent per calendar month.
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17.99% p.a.
ongoing
$55
ongoing
Platinum Concierge service.
$125 p.a. annual fee waived when you spend $35,000 and over on Visa Purchases.
Earn 3 Heritage Credits for every $1,500 spent per calendar month.
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17.99% p.a.
ongoing
$125
ongoing

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Q&As about Heritage Credit Cards from customers

What is Heritage Bank?

Heritage bank is a customer-owned bank based in Queensland. It traces its history back to the foundation in 1875 of the Toowoomba Permanent Building Society. It became the Heritage Building Society in 1981, following a merger with the Darling Downs Building Society, and changed its name to Heritage Bank in 2011.

Can anyone have a credit card from Heritage Bank?

Yes. Although the bank’s head office and all of its branches and ATMs are located in Queensland (with plans to expand to Sydney in late 2019, and later Melbourne), you don’t need to live in Queensland because the bank offers online banking, telephone banking and a mobile app, plus fee-free access to major banks’ ATMs.

What kind of accounts and products does Heritage Bank offer?

  • Four credit cards: the Heritage Bank Platinum Credit Card, the Heritage Bank Gold Low Rate Card, the Heritage Bank Classic Visa Card and the Heritage Bank Business Visa Credit Card.
  • A Visa debit card
  • Bank savings and transaction accounts
  • Term deposits
  • Home loans
  • Car loans
  • Insurance
  • Business bank accounts, business loans and merchant services

Does Heritage Bank have branches and ATMs?

Yes. Heritage Bank’s head office is in Toowoomba, and there are more than 40 branches in Queensland, employing over 800 staff, plus even more ATMs. The bank has plans to open branches in Sydney and Melbourne in the near future.

You can also manage your accounts, including your credit card, via online banking and a mobile app.

Does Heritage Bank have online banking?

Yes.

Does Heritage Bank have a mobile app?

Yes.

Are Heritage Bank credit cards compatible with Apple Pay, or Google Pay or Samsung Pay?

Heritage Bank credit cards can be used with Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.

People are happy

Rated 4.8 out of 5 for customer satisfaction.
"I used Credit Card Compare when I was looking for a new credit card and am so happy I did."
T. Davidson, WA
"Credit Card Compare was invaluable in saving me the time of wading through all the various caps etc. that are now in place. Good service."
D. Jones, NSW
"Absolutely love this site... it's the best and most updated going. Instant online chat and advice. Thanks!"
S. Hucker, NSW
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