Important disclosure

Heritage Bank, a trading name of Heritage and People’s Choice Limited

Heritage Bank Platinum

  • Apple, Google & Samsung Pay
  • Balance transfer

Balance Transfer

0% on Balance Transfers for 12 months
Purchase Rate

17.99%

p.a

Balance Transfer Rate

0%

p.a

RateCity says

“A platinum credit card offer for Australians looking for a wide range of perks, with a moderate purchase rate and high number of interest-free days. ”

Tags
  • Apple, Google & Samsung Pay
  • Balance transfer
Purchase Rate

17.99%

p.a

Balance Transfer Rate

0%

p.a

Annual Fee

$125

Pros and cons

For Platinum

Benefits

  • Lower than average ongoing variable purchase rate
  • Rewards Available through Heritage Credits
  • Annual fee of $125 is refunded when you spend $35,000 on purchases every 12 months
  • Apple Pay, Google Pay and Samsung Pay available
  • Domestic travel insurance
  • International travel insurance
  • Free supplementary cards
  • Price guarantee
  • Extended warranty
  • Rental car excess insurance
  • Concierge
  • Special events
  • Purchase protection insurance

Heritage Bank Rate Credit card overview

For Platinum

Details

Card Level

Platinum

Card Type

Visa

Interest Free Days

55

Minimum monthly repayment

3% or $30

Minimum credit limit

$6k

Maximum credit limit

No set max

Free supplementary cards

Instant Approval

Target Market Determination

Visit Heritage Bank, a trading name of Heritage and People’s Choice Limited to view Target Market Determination.

Fees

Annual Fee

$125

Annual Fee Spend Waiver

$35k

Supplementary card annual fee

$0

Late Payment Fee

$20

Over limit fee

$0

Duplicate statement fee

$7.5

Electronic Wallet Service

Important Rates

Rates

Purchase Rate

17.99%

p.a

Cash advance rate

19.99%

Cash advance fee

2% or $2.5

Balance Transfer

Balance Transfer Rate

0%

p.a

Transfer Limit

No set max

Balance Transfer Fee

Overseas spending

Foreign Exchange Fee

3% on Visa

Overseas charges

$5

Estimated ATM Cost

$14

for AU $300 withdrawal

Rewards

Program name

Heritage Credits

Rewards Available

Gift Card

Eligibility

Minimum age

Minimum income

Eligibility conditions

-

Residency

Perks

  • DOMESTIC TRAVEL INSURANCE
  • INTERNATIONAL TRAVEL INSURANCE
  • FREE SUPPLEMENTARY CARDS
  • PRICE GUARANTEE If you purchase personal goods in Australia and then find the same product advertised later at a cheaper price within 60 days of purchase, from a store within 25km of the store where the item was purchased, you can claim back the difference if it is more than $75.
  • EXTENDED WARRANTY Warranty is extended for the same duration as the original warranty up to 1 year for items that cost less than $20,000
  • RENTAL CAR EXCESS INSURANCE
  • CONCIERGE
  • SPECIAL EVENTS
  • PURCHASE PROTECTION INSURANCE Covers up to $15,000 per year.
Specials
  • Balance Transfer 0% on Balance Transfers for 12 months

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Visa Platinum Credit Card

  • Balance transfer
Purchase Rate

4.99%

p.a

for up to 5 months, then 19.49%

Annual Fee

$199

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Rewards Platinum

  • Apple, Google & Samsung Pay
  • Balance transfer

Bonus Points

80,000 ANZ Reward Points and $50 back to your new ANZ Rewards Platinum credit card when you spend $2,000 on eligible purchases in the first 3 months from approval.
Purchase Rate

20.99%

p.a

Annual Fee

$149

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  • Apple, Google & Samsung Pay
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Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.
Purchase Rate

27.49%

p.a

Annual Fee

$0

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More Free Days

More World Mastercard

  • Google Pay
  • Balance transfer
Purchase Rate

19.99%

p.a

Annual Fee

$270