Bank of Heritage Isle Visa Credit Card
4.2
Highlights
- Interest rate of 10.76% remains consistent across purchases, cash advances, and balance transfers.
- The initial annual fee of $30 is exempted for the inaugural year.
- Supports Apple Pay, Google Pay, and Samsung Pay.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
1
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2.5%
Balance transfers
Balance transfer offer
Balance Transfer Rate
10.76%
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
10.76% p.a.
Cash Advance Fee
$3.80
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
10.76% p.a.
Account fees
Annual Fee Initial Year
$0.00
Annual Fee Ongoing
$30.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$10.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
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The basics
- Additional cardholders. It's free to add an additional cardholder at no extra cost, so you can share the account with family and friends. The account holder will be held responsible for managing the account and keeping it in good standing.
- Digital wallets. Supports Apple Pay, Google Pay, and Samsung Pay.
- Gambling transactions. Gambling transactions are not permitted.
Rewards and benefits
- Complimentary travel insurance. This card does not include complimentary international travel insurance cover.
- Concierge services. Cardholders will not have access to a concierge service.
- Insurances. The Bank of Heritage Isle Visa Credit Card does not offer additional insurance.
- Rewards points. This credit card does not have a rewards program.
- Sign up bonus. Heritage Bank does not offer any sign up bonus for this card.
Rates and fees
- Annual fee. This card has an initial annual fee of $30, which is waived for the first year.
- Balance transfers. There is no interest-free balance transfer offer, although it is possible to transfer a balance at the ongoing interest rate of 10.76% p.a.
- Cash advances. Cash advances made with this card will be charged interest at the rate of 10.76% p.a., with interest accruing from the day it was made.
- Foreign exchange fee. A 3% fee will be charged on purchases made online or overseas in a foreign currency.
- Interest-free period. Get up to 55 days interest-free on purchases (except cash advances) when you pay your balance in full by the due date or have made minimum required payments.
- Purchases. Get a low ongoing interest rate of 10.76% p.a. for purchases. There is no introductory offer.
Reviewed by Credit Card Compare Staff
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