Let's fit your card.

Let's fit your card.

If you’re after a new credit card we can help.  This tool will help you choose a card, based on the answers you select.

This card is...

for me
for my business
I want to repay...

all of the balance each month
some of the balance each month
I'd rather have...

55 days interest free with an annual fee
no annual fee but no interest free days
I need my credit limit to be...

under $6,000
$6,000 or more
I'd rather...

pay a lower annual fee
get more rewards and international travel insurance
This card might fit!

Platinum Visa
  • Up to 55 days interest free for your Visa purchases~
  • Credit limits from $6,000 
  • Earn three Heritage Credits for every $1,500 spent per calendar month ^
  • Insurance cover for travel overseas and in Australia, purchases, extended warranties, and more.
  • Visa Front Line Access
  • Travel services
  • Monthly repayments at 3% of balance or $30, whichever is greater ‡
  • Wide range of payment options including BPAY, automatic credit card payments, internet banking transfers, and over-the-counter at your local branch  
  • Enjoy Visa payWave for purchases under $100 worldwide at participating retailers 
  • Balance enquiries and cash advances at Heritage ATMs
  • Cancel or place a card on hold, block online, international in-store, or all card payments in our mobile banking app 
  • Concierge service: Want tickets to a show, a restaurant recommendation, or a holiday booked? All it takes is a phone call or mouse-click and we’re there to help; anytime, anywhere in the world. †
 
This card might fit!
  • Credit limits from $1,000
  • Up to 55 days interest free on Visa purchases*
  • Visa payWave available for purchases under $100 at participating retailers
  • Earn one (1) Heritage Credit for every $1,300 spend per calendar month†
  • Monthly repayments at 3% of balance or $30, whichever is greater^
  • Wide range of payment options including BPAY, automatic credit card payments, internet banking transfers, and over-the-counter at your local branch. 
  • Balance enquiries and cash advances at Heritage ATMs
  • Shop with confidence with Visa's Zero Liability policy #
  • Access to Visa Offers + Perks 
  • Online shopping secured with Visa
This card might fit!
  • No annual fee
  • Credit limits from $1,000 
  • No interest free days to suit those who carry over a balance *
  • Monthly repayments at 3% of balance or $30, whichever is greater †
  • You can use Visa payWave for purchases under $100 at participating retailers
  • Wide range of payment options including BPAY, automatic credit card payments, internet banking transfers, and over-the-counter at your local branch  
  • Balance enquiries and cash advances at Heritage ATMs
  • Shop with confidence with Visa's Zero Liability policy ^
  • Access to Visa Offers + Perks 
  • Online shopping secured with Visa
This card might fit!

Business Visa
  • Cards can be issued to business owners and their employees to pay for monthly fuel, accommodation and other business expenses
  • Allows personal and business expenses to be kept separate
  • Convenience to take care of business expenses without having to carry cheques and petty cash
  • Individual monthly spend limits are set by the business owner
  • Up to 40 days interest free on your Visa purchases*
  • Multiple cards are issued under one overall approved limit, but each card has an individual spend limit
  • Minimum facility limit of $1000
  • Minimum individual card limit of $500
  • Available with or without security, subject to certain amounts and lending criteria
  • Monthly repayments at 3% of balance or $30, whichever is greater ‡