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Heritage Bank credit cards

Heritage Bank is Australia’s largest customer-owned bank. Heritage Bank was created in 1875 as the Toowoomba Permanent Building Society. In 1897, the Darling Downs Building Society was established. In 1981, these two organisations merged to become Heritage Building Society.

Heritage Building Society changed its name to Heritage Bank in 2011 and now operates from the head office in Toowoomba’s CBD.

Heritage Bank delivers a broad credit card offering, including options for both personal and business expenses.

Nick Bendel
Nick Bendel

Property & Personal Finance Writer

Content updated

Product data updated

Why choose Heritage Bank


  • No-annual-fee option
  • Low-rate option
  • Rewards scheme option


  • Charges an annual fee on most cards
  • Charges a late payment fee
  • Balance transfer not available

Heritage Bank Credit Cards

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