Compare Credit Cards

Platinum Credit Card	Classic Credit Card	Gold Low Rate Credit Card
Minimum Credit Limit
$6,000	$1,000	$1,000
Interest free days
up to 55 days^*	up to 55 days^*	Nil
Interest Rate on Purchases
VP	VC	GLR
Balance Transfer
0% for 12 months^‡	No	0% for 12 months^‡
Annual fee
$125	$55	$0
Heritage Credits rewards program
Yes^†	Yes^†	No
Complimentary Insurance
Yes - Platinum Insurance	No	No
Interest Rate on Cash Advances
VP_CA	VC_CA	GLR_CA
Maximum cash advance amount per day
$5,000	$1,000	$1,000
Apply for our Platinum card	Apply for our Classic card	Apply for our Gold Low Rate card

With all our Credit Cards

Block online, international in-store or all card payments in our Mobile Banking App
Visa Zero Liability^~ on fraudulent transactions
24/7 Visa Global Customer Assistance Service
Visa Offers + Perks
Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch

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