- Home
- Credit Cards
- Heritage Bank
- Platinum
Heritage Bank Platinum
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
0% on Balance Transfers for 12 months
Purchase rate p.a.
17.99%
Balance transfer rate
0%
Annual fee
$125
Heritage Bank Platinum
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
Purchase rate p.a.
17.99%
Balance transfer rate
0%
Annual fee
$125
RateCity says
"A platinum credit card offer for Australians looking for a wide range of perks, with a moderate purchase rate and high number of interest-free days. "
Pros and Cons
For Heritage Bank Platinum
Benefits
- Lower than average ongoing variable purchase rate
- Rewards Available through Heritage Credits
- Annual fee of $125 is refunded when you spend $35,000 on purchases every 12 months
- Apple Pay, Google Pay and Samsung Pay available
- Domestic travel insurance
- International travel insurance
- Free supplementary cards
- Price guarantee
- Extended warranty
- Rental car excess insurance
- Concierge
- Special events
- Purchase protection insurance
Drawbacks
Heritage Bank Rate Credit Card overview
For Platinum
Details
Card level
Platinum
Card type
Visa
Interest free days
55
Minimum monthly repayment
3% or $30
Minimum credit limit
$6,000
Maximum credit limit
$0
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
$125
Annual Fee Spend Waiver
$35k
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
0%
Transfer limit
No set max
Balance transfer fee
Overseas spending
Foreign exchange fee
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
If you purchase personal goods in Australia and then find the same product advertised later at a cheaper price within 60 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75.
Warranty is extended for the same duration as the original warranty up to 1 year for items that cost less than $20,000
Covers up to $15,000 per year.
