- 0% interest on balance transfers for 12 months with no BT fee. Reverts to cash advance rate.
- Earn 3 Heritage Credits for every $1,500 spent per calendar month
- Get complimentary insurance cover for domestic and international travel, purchases, extended warranties and more
- Concierge service anytime, anywhere in the world
- $125 annual fee waived when you spend at least $35,000 on Visa purchases during the year up to the anniversary date
- Credit limits from $6,000
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Heritage Credit Cards
Heritage Bank Platinum Credit Card
Updated 1 November 2024
Move your balance and enjoy 0% interest on balance transfers for 12 months with no BT fee. Earn 3 Heritage Credits for every $1,500 spent per month and spend them on home products, gift cards and more. Pay $0 annual fee when you spend at least $35,000 in a year on Visa purchases. Plus, get a range of complimentary insurances and other travel benefits. T&Cs apply.
Purchase Rate (p.a)
17.99%
Balance Transfer (p.a)
0% for 12 months
No balance transfer fee.
Reverts to 19.99% p.a.
Annual Fee (p.a)
$125
Pros and cons
- You have to spend at least $1,500 per month to receive 3 Heritage credits
Creditcard.com.au review
Editor Review
Heritage Bank Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Heritage Bank Platinum Credit Card
The Heritage Bank Platinum credit card comes with Heritage Credits- you earn 3 credits for every $1,500 you spend on the card each month. When you use the card and you don’t have an existing balance from the previous month you also get 55 days interest free to pay off the purchases you make.
This card has a very reasonable annual fee for a rewards card, $125 per year, and you will also have access to the Visa Entertainment program.
What we love...
The Heritage Bank Platinum credit card has everything you would expect from platinum card. You benefit from complimentary insurance covers for travel overseas and in Australia, purchases, extended warranties, and more. Access to a concierge service which comes in handy if you need to book tickets to a show, holidays or even a restaurant recommendation.
What’s not so great...
The earn rate is low with 3 Heritage Credits for every $1,500 you spend on the card each month. For example a Coles $50 eGift card is valued at 32 Credits as at 8 August 2018. That means you would have to spend $16,000 on your card to receive the 32 Credits.
Overall Rating
Platinum credit card with a reasonable annual fee and insurance covers.
User reviews
Rates and fees
Interest rates
Purchase rate 17.99% p.a.
Cash advance rate 19.99% p.a.
Interest free period on purchases up to 55 days
Balance transfer
Balance transfer rate 0% p.a. for 12 months
Balance transfer revert rate 19.99% p.a.
Balance transfer from personal loan No
Balance transfer fee No fee
Balance transfer limit 95% of approved credit limit
Brands you can't balance transfer from Heritage
Credit limits
Minimum credit limit $6,000
Maximum credit limit N/A
Fees & repayments
Annual fee $125 p.a.
Additional cardholder fee N/A
Foreign transaction fee 3%
Minimum repayment 3% or $30 (whichever is greater)
Cash advance fee 2% or $2.50, whichever is greater
Late payment fee $20
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance Yes
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance Yes
Extras
Travel insurance underwritten by Allianz Global Assistance
Guaranteed Pricing Scheme
Overview
Heritage Bank Platinum Credit Card
The Heritage Bank Platinum card brings together the superior credit limit of a Platinum card alongside the Heritage Credits rewards program. With this card you earn 3 Heritage Credits for every $1,500 spent per calendar month.
Key features
- 0% interest on balance transfers for 12 months with no BT fee. Reverts to cash advance rate
- Earn 3 Heritage Credits for every $1,500 spent per calendar month
- Concierge service anytime, anywhere in the world
- Complimentary insurance cover for domestic and international travel, purchases, extended warranties and more
- $125 annual fee waived when you spend at least $35,000 on Visa purchases during the year up to the anniversary date
- Credit limits from $6,000
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Resident or citizen of Australia
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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