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Electronic Wallet Service

Important Rates


Balance Transfer

Overseas spending



Earn Rates

RateCard TypeEarnsCondition
0.002 points for $1 spentVisauncappedeligible transactions
  • Free Domestic Travel Insurance
  • Free International Travel Insurance
  • Free Supplementary Cards
  • Purchase Protection Insurance Covers up to $15,000 per year.
  • 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


The Heritage Bank Platinum is a platinum credit card offering cardholders access to a 24/7 concierge service, a range of complimentary insurances and access to presale tickets through Visa Front Line Access.

The Heritage Bank Platinum credit card has a moderately high interest rate, a moderate amount of interest-free days and a moderately high annual fee which can be waived if a minimum annual spend is reached. This card has a minimum credit limit of $6,000.

This card is not linked to a frequent flyer rewards program, but registered members can turn their spending into credits which can be redeemed for gift cards or merchandise.

  • Concierge service
  • Rewards program
  • Complimentary insurance
  • Annual fee charged
  • No frequent flyer points
  • High interest rate

Who is it good for?

The Heritage Bank Platinum card offers cardholders access to a range of platinum features. The moderately high interest rate and annual fee can make this card an expensive option for those who don’t manage to pay their monthly balance off in full.

Regular spenders won’t be able to turn their eligible purchases into points. You can earn Heritage Credits, which can be redeemed for merchandise and gift cards. Other perks include access to pre-sale tickets and exclusive travel offers.

Frequent flyers may benefit from the range of complimentary insurances offered, such as international travel insurance, interstate flight inconvenience insurance, and transit accident insurance. there is a moderate fee charged for international transactions.

buyers looking for extra protection are covered by complimentary extended warranty insurance, guaranteed pricing scheme and purchase cover insurance.

Customers looking for a card that offers both platinum features and hefty rewards may want to compare their options.

What RateCity says

The Heritage Bank Platinum card is linked to the Heritage Credits rewards program which can be redeemed for merchandise, tickets to shows or gift vouchers at retailers like David Jones, Myer, Target, Woolworths, JB Hi-Fi and Harvey Norman to name a few. If you’re looking for a card that lets you turn your everyday eligible purchases into frequent flyer points, you may want to shop around.

The card offers a moderate interest-free period, however the moderately high interest rate and annual fee make this card less suitable for those looking to cut costs.

A wide range of purchase protection and complimentary insurances are available for frequent shoppers and travellers. However, it’s worth pointing out there is a fee for international transactions.

With any platinum credit card, always do your research to make sure the rewards outweigh the costs.


To be eligible for the Heritage Bank Platinum Credit Card, you must be able to provide proof of employment and income. You’ll need to be at least 18 years old and be either an Australian resident or citizen and have a clean credit history. At the time of application, you’ll need to provide proof of ID and details of any other income, assets or debts. Applications can be made online or in-branch. 

About Heritage Bank

Starting out in 1875 as the Toowoomba Permanent Building Society, Heritage Bank is one of the longest-standing, customer-owned financial institutions in Australia. Over the years, Heritage Bank has expanded its range of financial products like credit cards, home loans and savings accounts. Heritage Bank has a network of over 60 branches spread across Brisbane, Sunshine Coast and Wide Bay Burnett areas. Customers can contact the bank via the customer service centre, mobile app, online banking or via email.

​Nick Bendel is a senior property and personal finance writer for RateCity, and an experienced journalist with numerous writing credits to his name. To date. He covers property, home loans, credit cards, superannuation and other bank products, and loves getting elbow-deep in the latest ABS, APRA and RBA data.​

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