Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

N/A
Bank of Heritage Isle Visa Credit Card
Bank of Heritage Isle Visa Credit Card

Bank of Heritage Isle Credit Cards

Bank of Heritage Isle Visa Credit Card

Updated 4 December 2023

As an award-winning card, the Bank of Heritage Isle Visa Credit Card offers a very enticing deal to cardholders looking to save money. Currently offering waived annual fee first year, the card also has a seriously low ongoing interest rate, a low annual fee – and compatibility with Apple Pay, Samsung Pay and Google Pay.

Purchase Rate (p.a)

10.76%

Balance Transfer (p.a)

0% for 12 months No balance transfer fee.
Reverts to 10.76% p.a.

Annual Fee (p.a)

$0 first year. Then $30 p.a.

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Pay no annual fee the first year
  • Low $30 ongoing annual fee
  • 10.76% p.a. on purchases
  • Eligible for Apple Pay, Samsung Pay, and Google Pay

  • Nothing really

Creditcard.com.au review

Editor Review

Bank of Heritage Isle Visa Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Bank of Heritage Isle Visa Credit Card

As an award-winning card, the Bank of Heritage Isle Visa Credit Card offers a very enticing deal to cardholders looking to save money. Currently offering waived annual fee first year, the card also has a seriously low ongoing interest rate, a low annual fee – and compatibility with Apple Pay, Samsung Pay and Google Pay.

What we love...

When checking out credit card deals, it’s always nice to find cards that have gained industry recognition for their offers. You might be interested to know the Bank of Heritage Isle Visa Credit Card took home Money magazine’s 2018 award for Cheapest Balance Transfer Credit Card, and Mozo’s Experts Choice 2017 for Balance Transfer Credit Card and Low Rate Credit Card.

Helping you on your way, the card waives its annual fee for the first year. However, the Bank of Heritage Isle Visa Credit Card also happens to be a great card ongoing as well. It has one low interest rate on purchases and cash advances, and after the first year, it has a low ongoing annual fee. If you want to add an additional cardholder to the account to simplify your family’s finances, you can do so at no extra cost.

Aside from its offer and its low cost status, this card keeps things nice and simple. Cardholders can enjoy access to Visa’s vast network – and its functional features – while also benefitting from Apple Pay, Samsung Pay and Google Pay compatibility. This can make it quicker and easier to pay with your synced device while you’re out and about.

What’s not so great...

There’s really not much to dislike about the Bank of Heritage Isle Visa Credit Card. It’s a simple, basic card with few features. If you want more – and you don’t mind paying more – you may want to look at other options.

Why should you choose this card?

As a low rate card, it could work well for cardholders who carry a balance. Meanwhile, its low annual fee would also appeal to those who want to pay only the minimum to keep a card in their wallet, while its basic features are likely to attract cardholders who aren’t interested in extravagant extras (and paying for them).

Overall Rating

A low rate, low fee card, the Bank of Heritage Isle Visa Credit Card could be a real money-saver.

User reviews

Bank of Heritage Isle Visa Credit Card ( based on 1 Creditcard.com.au user review )

82% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 10.76% p.a.

Cash advance rate 10.76% 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 10.76% p.a.

Balance transfer from personal loan N/A

Balance transfer fee No fee

Balance transfer limit 100% of approved credit limit

Brands you can't balance transfer from Bank of Heritage Isle

Credit limits

Minimum credit limit $1,000

Maximum credit limit N/A

Fees & repayments

Annual fee $30 p.a.

Additional cardholder fee N/A

Foreign transaction fee 3%

Minimum repayment $5 or 2.5% (whichever is greater)

Annual fee the first year $0

Cash advance fee $3.80

Late payment fee $10

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Bank of Heritage Isle Visa Credit Card

Key features

  • Pay no annual fee the first year
  • 10.76% p.a. on purchases
  • Up to 55 days interest free period on purchases
  • Low $30 ongoing annual fee
  • Eligible for Apple Pay, Samsung Pay, and Google Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 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

Recently Asked Questions

Something you need to know about this card? Ask our credit card expert a question.

(showing the latest 10 Q&As)

Featured Credit Cards

NAB Low Rate Credit Card – Balance Transfer Offer

27 reviews
$0 saved over 28 months
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.