Heritage Bank Classic
- Apple, Google & Samsung Pay
- Low annual fee
Purchase rate p.a.
17.99%
Balance transfer rate
Not Applicable
Annual fee
$55
Heritage Bank Classic
- Apple, Google & Samsung Pay
- Low annual fee
Purchase rate p.a.
17.99%
Balance transfer rate
Not Applicable
Annual fee
$55
Pros and Cons
For Heritage Bank Classic
Benefits
- Lower than average ongoing variable purchase rate
- Rewards Available through Heritage Credits
- Annual fee of $55 is refunded when you spend $25,000 on purchases every 12 months
- Lower than average annual fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- No balance transfer
Heritage Bank Rate Credit Card overview
For Classic
Details
Card level
Standard
Card type
Visa
Interest free days
55
Minimum monthly repayment
3% or $30
Minimum credit limit
$1,000
Maximum credit limit
$50,000
Free supplementary cards
Instant approval
Target Market Determination
Visit Heritage Bank, a trading name of Heritage and People’s Choice Limited to view Target Market Determination.
Fees
Annual fee
$55
Annual Fee Spend Waiver
$25k
Supplementary card annual fee
$0
Late payment fee
$20
Over limit fee
$0
Duplicate statement fee
$7.5
Electronic Wallet Service
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
17.99%
Cash advance rate
19.99%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
Not Applicable
Transfer limit
Balance transfer fee
Overseas spending
Foreign exchange fee
3% on Visa
Overseas charges
$5
Estimated ATM cost
$14
for AU $300 withdrawal
Rewards
Program name
Heritage Credits
Rewards available
Gift Card
Eligibility
Minimum age
Minimum income
Eligibility conditions
Residency
Perks
FREE SUPPLEMENTARY CARDS
