Ask Roland a Question

Hi, I’m the site founder and I will personally answer your question within a business day.

By submitting this question you agree to our privacy policy.

Heritage Bank Platinum Credit Card
Heritage Bank Platinum Credit Card

Heritage Bank Platinum Credit Card

Updated 26 November 2019

Purchase Rate (p.a)

17.49%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$125

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 17.49% p.a. on purchases
  • $125 annual fee
  • Concierge service anytime, anywhere in the world
  • Low annual platinum credit card fee of $125
  • Up to 55 days interest free on purchases
  • Credit limits from $6,000
  • Earn 3 Heritage Credits for every $1,500 spent per calendar month

  • 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

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. 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 )

43% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 17.49% p.a.

Cash advance rate 19.49% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limt $6,000

Maximum credit limit N/A

Fees & repayments

Annual fee $125 p.a.

Additional card holder fee N/A

Foreign transaction fee 3%

Minimum repayment 3%

Cash advance fee 3%

Late payment fee $20

Additional features

Complimentary insurance

International Travel Insurance Yes

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

Extras

3 Heritage Credits for every $1,500 spent per calendar month

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

  • 17.49% p.a. on purchases
  • $125 annual fee
  • Concierge service anytime, anywhere in the world
  • Low annual platinum credit card fee of $125
  • Up to 55 days interest free on purchases
  • Credit limits from $6,000
  • Earn 3 Heritage Credits for every $1,500 spent per calendar month

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

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

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

Similar Credit Cards

Virgin Australia Velocity High Flyer Credit Card

31 reviews
$0 saved over 15 months

ANZ Frequent Flyer Credit Card

6 reviews
$0 saved over months

ANZ Frequent Flyer Platinum Credit Card

4 reviews
$0 saved over 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.