Heritage Credits

Banking rewards for Heritage customers.

Register

At Heritage, we understand the importance of rewarding our loyal customers. That's why we offer our Heritage Credits banking rewards program.

Heritage Credits allows you to earn credits (rewards points) to spend on products for your home and lifestyle as well as physical and electronic gift cards from a wide range of retailers. You can earn credits, browse rewards and redeem online, anytime with secure 24/7 access to the Heritage Credits portal.

How to register

You'll be registered if you have an eligible rewards credit card such as our Platinum Visa or Classic Visa. You'll also be registered if you hold products from at least three of the following different product categories: Savings or transaction account, Personal loan, Credit card, Home loan, Term deposit and/or Business loan.

Popular rewards


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$20 Woolworths Supermarket eGift Card

13 Credits

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$50 Coles Gift Card

32 Credits

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$100 Bunnings Warehouse eGift Card

64 Credits


Redemption values and listed rewards are current as at 15 June 2022, and subject to change without notice.

Earn Credits

Once registered, you can earn credits for a wide range of activities including:

  • Spending on your eligible rewards credit card shown below
  • Membership anniversaries
  • Spending at nominated bonus partners listed in the Heritage Credits portal
  • Special promotions
Visa Platinum Credit Card
Every whole $1,500 spent per calendar month receives 3 credits for that month.†
Learn more
Platinum Credit Card Heritage Credits
Visa Classic Credit Card
Every whole $1,300 spent per calendar month receives 1 credits for that month.†,^
Learn more
Classic Credit Card Heritage Credits
Visa Gold Credit Card with rewards
This card is no longer offered. Every whole $1,400 spent per calendar month receives 2 Credits for that month.†
Gold Credit Card Heritage Credits
Bonus offer

Bonus offer

Earn credits for membership anniversaries

If you're registered for Heritage Credits, you'll receive bonus credits on your anniversary of joining Heritage Bank.


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Member for 2 to 4 years

Receive 1 credit each year when your membership with Heritage has been active for 2-4 years inclusive

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Member for 5 to 7 years

Receive 2 credits each year when your membership with Heritage has been active for 5-7 years inclusive

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Member for 8+ years

Receive 3 credits each year when your membership with Heritage has been active for 8 years or more



Redeem credits

Browse rewards and redeem online, anytime with secure 24/7 access to the Heritage Credits portal online. Or if you'd like to talk to someone, call our Heritage Credit service team during the hours detailed below.

How to redeem online

Login to Heritage Online. Click the 'Services' tab, then select 'Rewarding You' to be taken to the Heritage Credits website. This is a secure connection that will timeout if left inactive.

Login

Mobile Banking with Heritage Bank

How to redeem over the phone

Call 13 14 22 and select Option 8 for the Heritage Credits service team. The service team is available Monday - Friday between 9am- 5pm Australian Eastern Daylight Savings Time.

FAQ's

What can I redeem my Heritage Credits for?

Heritage Credits allows you to spend the credits that you've earned on products for your home and lifestyle. You can also redeem credits for electronic gift cards from a wide range of retailers. Participating retailers include:

 
  • Accor
  • Adrenaline
  • Amart Furniture
  • Amazon
  • Ampol
  • Apple
  • Barbeques Galore
  • BCF
  • Betta Home Living
  • Big W
  • Bunnings
  • BWS
  • Catch Of The Day
  • Coles
  • Country Road
  • Dan Murphy’s
  • David Jones
  • Doordash
  • Dymocks
  • Ebay
  • Endota
  • Flight Centre
  • Foot Locker
  • Forever New
  • Freedom
  • Google Play
  • Harvey Norman
  • The Holiday & Hotel Card
  
  • IKEA
  • iSubscribe
  • JB Hi-Fi
  • Kathmandu
  • Kmart
  • Kogan
  • Luxury Escapes
  • Myer
  • NineWest
  • OPSM - Australia
  • Priceline
  • Rebel
  • Red Balloon
  • Sephora
  • Sheridan
  • Streamotion
  • Sunglass Hut
  • SuperCheap Auto
  • Target
  • The Good Guys
  • The Iconic
  • Uber
  • Webjet
  • Wish (Big W, BWS, Dan Murphy’s etc.)
  • Witchery
  • Woolworths

Retailer list correct as at August 2024 and may change without notice.

What counts as a qualifying purchase to earn Heritage Credits?

Most everyday spending where you use your card or digital wallet to make a purchase will count towards your qualifying spend on a Heritage Bank rewards enabled credit card. 

Transactions that don't count towards your spend are cash advances, interest charges, credit fees and charges, disputed transactions, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, bill payments using BPAY® or utility bills paid over the counter at a financial institution at Bank@Post outlet.

How can I earn more Heritage Credits?

To earn more Heritage Credits, here are some tips: 

  • Stay banking with Heritage. If you're registered for Heritage Credits, you'll receive annual Membership Anniversary credits that increase over time the longer you bank with us.
  • Use your rewards credit card more. Make the most of Heritage Credits by putting purchases on your rewards credit card instead of a debit card. Make sure you understand how to make the most of your credit card interest free period so that you can pay your balance back and avoid big interest charges.
  • Add an additional cardholder to your credit card. Adding an additional authorised cardholder can boost the monthly spending on your card and earn you more credits. 
  • Spend at nominated partners. Heritage may offer additional credits for spending at nominated retailers which you can find a list of in the Heritage Credits portal.
Terms & Conditions

Further terms and conditions apply.  For full terms and conditions of the Heritage Credits banking rewards program, view the Heritage Credits Terms and Conditions.