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Heritage Bank Platinum Credit Card
Heritage Bank Platinum Credit Card

Heritage Credit Cards

Heritage Bank Platinum Credit Card

Updated 22 July 2021

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)

16.99%

Balance Transfer (p.a)

0% for 12 months No balance transfer fee.
Reverts to 18.99% p.a.

Annual Fee (p.a)

$125

$0 over 12 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 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
  • $55 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

  • 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 8 years in money, budgeting and property reporting under her belt 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

Heritage Bank Platinum Credit Card ( based on 1 Creditcard.com.au user review )

51% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 16.99% p.a.

Cash advance rate 18.99% 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 18.99% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 95% of approved credit limit

Banks 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 Yes

Smartphone Screen Insurance No

Purchase Protection Insurance Yes

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

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
  • $55 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

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 a our credit card expert a question.

4 questions (showing the latest 10 Q&As)

Dawn Osborn

Dawn Osborn

20 March 2018
free travel insurance with this card any restrictions and what level of cover is offered
dorothy hall

dorothy hall

31 October 2017
can I get complimentary travel insurance after I turn 85, If I have never had to make a claim previously? If not, why not?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    1 November 2017
    Hi Dorothy, I am not aware of any complimentary travel insurance with credit cards for those over 80 years of age. Reach out to Heritage bank credit card customer service and see what they can offer. It is more likely that you will need to get independent insurance but again I am not sure what is available for over 85s.
Catherine lyons

Catherine lyons

13 December 2016
Hi selling my house in burwod vic . In a few months -- need to have some money to start painting ect. Hoping you will be able to help me. Catherine
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    14 December 2016
    Hi Catherine, an option may be to draw some funds from the home loan on your property. You can then use these funds to pay for the renovations, then pay the mortgage in full once the property is sold. You can also get a credit card to cover the payments. It could be possible to apply for this Heritage Bank card but it might be better to get a 0% intro rate on purchases. This NAB Premium Card has 0% for 15 months on purchases. That means that you would not have to pay interest on the painting etc. Its likely the property would sell before the 15 months is up.
Ruth Clarke

Ruth Clarke

14 July 2016
Current heritage bank customer wish to transfer credit card balance of non- heritage card to this card product at 0% balance transfer. How to apply? Thanks Ruth

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