How to activate your card

How to activate your Heritage Visa Debit or Credit Card

If you have just received a Heritage Visa Debit or Credit card, you will need to activate it before you can use it. To activate your card, visit your Mobile Banking App, log in to Heritage Online or call 13 14 22 to speak to one of our friendly team. Alternatively, you can pop into a branch and activate your card with us face to face.

Activate in Heritage Online

If you're registered for Heritage Online (internet banking) you can use this service.

Log in to Heritage Online on your desktop computer or mobile browser. Select Services from the top menu bar then Activate a Card. Complete the details, click on submit and your card will be activated immediately. 

Activate in your Mobile Banking App

If you're registered for Heritage Online and have the Heritage Mobile Banking App, you can use this service. 

Login to the Heritage Mobile Banking App. Go to Manage Cards accessible on the home screen or in the ☰ menu. Find the card you wish to activate and tap to view card settings. Enter the Expiry Date and click on the Activate button. Your card will be activated immediately. 

Change or choose your PIN

  • If this card is replacing an expiring card, your PIN will remain the same.
  • If you you chose to have your PIN mailed to you, this will arrive separately within 7 days. If you do not receive your PIN call 13 14 22.
  • To change or choose your PIN online go to and follow the steps.
  • You can also change or choose your own PIN at your local branch.
Activate a gift card

Activate a gift card

If you've received a gift card from Heritage through our Heritage Credits program or for another reward, here's how to activate it.