Heritage Classic Credit Card

Heritage Classic Credit Card

4.3

Balance transfer

N/A

Purchase rate

17.99% p.a. ongoing

Interest-free days

55 days

Annual fee

$55.00 p.a. ongoing

Highlights

  • Minimum credit limit of $1,000.
  • Annual fee of $55 p.a. waived when you spend $25,000 or more.
  • Earn 1 Heritage Credit for every $1,300 spent per calendar month.

Pros and cons

Pros

  • Competitive annual fee.
  • Waived annual fee if you meet the criteria.
  • Enjoy 55 interest-free days on purchases.

Cons

  • Other cards have better rewards points earn rate ratios.
  • No balance transfer option.

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
Yes
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
2
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
3%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
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
19.99% p.a.
Cash Advance Fee
$2.50
Cash Advance Fee Percentage
2%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
17.99% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$55.00
Dishonour Fee
N/A
Duplicate Statement Fee
$7.50
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00

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

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    I am very pleased with my card

    Reviewed by H.m. James

    Great low-cost, efficient card

    Reviewed by Jacob

    Use it wisely for great rewards

    Reviewed by Monique

    Low interest rate, low annual fee

    Reviewed by Karen

    No fancy stuff, just exactly what I need

    Reviewed by Julie

    Grateful that they gave credit to a pensioner

    Reviewed by Graham

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    As seen on

    Media - The Sydney Morning Herald
    Media - Yahoo Finance
    Media - News.com.au
    Media - Daily Mail Australia
    Media - Australian Fintech
    Media - Dynamic Business