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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27/03/2020:
Heritage Bank will cut interest rates in a move designed to help those hit hard by the COVID-19 downturn. Read more
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
With our credit card finder tool, we can help you find a card that suits your needs.
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
With a Business Visa card, business owners have 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
Understand how to avoid any extra fees and interest charges so you can make the most of your card.
These articles may help you
Understand your credit card's interest free period
By understanding your 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
It's time to act quickly! Here's four things to do once you've realised you have lost your 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.
Or call 13 14 22 to speak to an expert