Visa Platinum Credit Card

Our Visa Platinum Credit Card is a premium card with interest free days, 0% interest balance transfer, Platinum Insurance cover and a great rewards program.

Features

  • Up to 55 days interest free for your Visa purchases~
  • 0% interest on balance transfers for 12 months*
  • Earn three (3) Heritage Credits for every $1,500 spent per calendar month#
  • Platinum Insurance cover for travel overseas and in Australia, purchases, extended warranties, and more.
  • Monthly repayments at 3% of balance or $30, whichever is greater‡
  • Shop with confidence with Visa's Zero Liability policy^ 
  • Set up your digital wallet to make secure payments on the go
  • Credit limits from $6,000

More features

  • Visa Offers + Perks
  • Cancel or lock your cards and block selected transaction types in our Mobile Banking App
  • Concierge service: Want tickets to a show, a restaurant recommendation, or a holiday booked? All it takes is a phone call or mouse-click and we’re there to help; anytime, anywhere in the world†
  • Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch 
  • Balance enquiries and cash advances at Heritage ATMs
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Rates

Interest Rate
Platinum - Purchases
Platinum - Cash Advances

Platinum - Purchases

Interest Rate
17.99%

Platinum - Cash Advances

Interest Rate
19.99%
Rates Effective From 17/08/2022
Fees

Annual Fee $125 (Waived when you spend $35,000/annum and over on Visa Purchases)

Bundle your credit card & home loan

When you package your Visa Classic Credit Card or Visa Platinum Credit Card with an eligible home loan into our Home Advantage Package, your annual credit card fee will be waived. Learn more about our Home Advantage Package.

More Visa Platinum Benefits
Platinum Credit Card Insurance

Complimentary insurance> for Heritage Visa Platinum Credit Card customers.

Learn more
Travel Services
Your Platinum Visa allows you to travel in style with access to a range of Visa Premium rewards, deals and discounts.
Learn more
Balance Transfer Calculator
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Key Facts Sheet (PDF)
Why use a credit card?
Balance Transfer Calculator
Expense Planner
Personal loan calculator
Visa Secure
Visa Offers + Perks
Visa payWave

We're here to help

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with card management, how to repay your credit card and lots more.  Tap here for live assistance.