API benefits
As a member you receive 7.45% p.a. one year introductory rate on Visa Classic and Visa Gold Cards.
Heritage rewards
Members with a Visa Classic with Rewards automatically earn 1 point for every dollar spent on Visa purchases. Members with a Visa Gold with Rewards earn 1.5 points for every dollar spent on Visa purchases. You also have the opportunity to earn bonus points when you shop at a wide range of nominated partners. Rewards points can be redeemed for a wide range of travel, shopping, financial and lifestyle rewards.
Choose your own card
Bye bye boring cards forever. With Heritage’s new Choose Your Own Card, you can put almost any photo you like on your Visa card. Explore the fun, new world of truly personalised cards. Click here to find out more.
Other benefits
Click here to find out about API benefits on Heritage home loans or personal loans.
Switch to Heritage and save
Meet Heritage's friendly staff and experience their personalised customer service and award winning products.
The small print
You should read our fees and charges and terms and conditions booklets (available by phoning 13 14 22, on-line at www.heritageonline.com.au or in branches) before you decide whether this product is right for you.
Offer is available on new Visa Classic and Gold cards only. Excludes No Frills products. At the end of the 12 month period interest rate reverts back to standard rate, currently 15.75% p.a. Visa Cards subject to application and approval. Fees, charges and conditions apply. Information correct as at 24 September 2009 and subject to change without notice. Heritage Building Society Limited ABN 32 087 652 024, AFS Licence No. 240984.
"Commission Disclosure"
Under the National Consumer Credit Protection Act (2009) as an introducer agent of Heritage Building Society Limited (ABN 32 087 652 024 AFS Licence No. 240984) we receive commission payments (including GST) of:
* $200 up-front payment and 0.075% p.a. trailer commission on all API Home Loans settled.
* 0.075% trailer commission on all API Personal Loans disbursed.
* 20% of interchange on all API VISA Cards.
* $11 for each newly opened transaction account with a direct pay credit.
