Explaining credit to teenagers
Understanding credit is an important life skill. Explaining credit to teenagers is important and reading our list of recommendations can help.
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Credit Cards
If you're looking for great rewards, a low interest rate, or no annual fee, we have a range of credit and debit cards to choose from.
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Find the card that fits you
If you’re after a new credit card we can help. Get started now with our credit card finder tool.
Featured Cards
Platinum Credit Card
Our premium card has a competitive interest rate, loads of features and a great rewards program.
Gold Low Rate
An ongoing low variable interest rate, plus lots of features, makes this one of our most popular credit cards.
Business Visa
Our Business Visa credit card gives business owners access to a credit card facility and the option of having multiple cards.
Classic Visa Card
Heritage Bank’s Classic Visa Card offers a competitive interest rate and up to 55 days interest free* on Visa purchases.
Visa Debit Card
Gives you the convenience of a credit card, but the security of using your own money so you can keep control of what you spend.
How to avoid paying credit card interest and late fees
Credit cards can be incredibly useful, but it's important to understand how to avoid any extra fees and interest charges to make the most of them.
Bank Of The Year for Customer Satisfaction
Heritage has been awarded Roy Morgan's 2018 Bank Of The Year for Customer Satisfaction. Just another way we're putting People first.
These articles may help you
Understand your credit card's interest free period
By understanding your credit card's interest free period you can make sure your card (and money) is working for you in the best way possible.
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Tips to help get your personal loan approved
Whatever your reason for a personal loan, there are a few things you can do to help improve your likelihood of being approved for the funds you need.
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What to do if you lose your credit card
If you realise you've lost a credit card, the key is to act quickly. Here's four things to do when you lose your credit card.
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We are here to help
Our specialists will help you find the right product and support you through every step of the purchase.
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