Heritage Platinum Credit Card

On website

Heritage Platinum Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

17.99% p.a. ongoing

Annual fee

$125.00 p.a. ongoing

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 and cons

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.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
2
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$6,000.00
Maximum Credit Limit
N/A

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
0%

Balance transfer conditions

Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
19.99%

Rates, fees, charges

Cash advances

Cash Advance Rate
19.99% p.a.
Cash Advance Fee
$2.50
Cash Advance Fee Percentage
2.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
17.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$125.00
Dishonour Fee
N/A
Duplicate Statement Fee
$7.50
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00

Rewards

Rewards program basics

Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
Yes
Cardholder's Interstate Flight Inconvenience
Yes
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
Yes
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
Yes
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    I'm happy with the card I use

    Reviewed by Happy Customer

    Quite a painful application process

    Reviewed by Jean

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