Bank of Heritage Isle Visa Credit Card

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Bank of Heritage Isle Visa Credit Card

Balance transfer

6 months at 0% p.a.

Purchase rate

10.76% p.a. ongoing

Annual fee

$0.00 for 1st year

Highlights

  • Interest rate of 10.76% remains consistent across purchases, cash advances, and balance transfers.
  • The initial annual fee of $30 is exempted for the inaugural year.
  • Supports Apple Pay, Google Pay, and Samsung Pay.

Pros and cons

Pros

  • Annual fee of $30 waived in the first year.
  • Low ongoing interest rate on purchases, cash advances, and balance transfers.
  • Up to 55 days interest-free on purchases.

Cons

  • No interest-free period on balance transfers.
  • The Bank of Heritage Isle Visa is a low rate credit card and does not offer rewards or bonus points.

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The basics

  • Additional cardholders. It's free to add an additional cardholder at no extra cost, so you can share the account with family and friends. The account holder will be held responsible for managing the account and keeping it in good standing.
  • Digital wallets. Supports Apple Pay, Google Pay, and Samsung Pay.
  • Gambling transactions. Gambling transactions are not permitted.

Rewards and benefits

  • Complimentary travel insurance. This card does not include complimentary international travel insurance cover.
  • Concierge services. Cardholders will not have access to a concierge service.
  • Insurances. Cardholders get fraud protection, purchase protection insurance, and price protection insurance.
  • Rewards points. This credit card does not have a rewards program.
  • Sign up bonus. Heritage Bank does not offer any sign up bonus for this card.

Rates and fees

  • Annual fee. This card has an initial annual fee of $30, which is waived for the first year.
  • Balance transfers. There is no interest-free balance transfer offer, although it is possible to transfer a balance at the ongoing interest rate of 10.76% p.a.
  • Cash advances. Cash advances made with this card will be charged interest at the rate of 10.76% p.a., with interest accruing from the day it was made.
  • Foreign exchange fee. A 3% fee will be charged on purchases made online or overseas in a foreign currency.
  • Interest-free period. Get up to 55 days interest-free on purchases (except cash advances) when you pay your balance in full by the due date or have made minimum required payments.
  • Purchases. Get a low ongoing interest rate of 10.76% p.a. for purchases. There is no introductory offer.

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Reviewed by Credit Card Compare Staff

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