Credit Cards Comparison
The following table allows you to choose a Heritage Visa Card based on the features that are most important to you:
Visa Credit Cards
| Visa Credit Cards |
Visa Classic with Rewards (L50) |
Visa Classic Basic (L50) |
My First Credit Card (L50) |
Visa Classic No Frills (L56) |
Visa Gold with Rewards (L51) |
Visa Gold Basic (L51) |
Visa Gold No Frills (L58) |
| Interest free days |
25 1 |
25 1 |
25 1 |
0 2 |
25 1 |
25 1 |
0 2 |
| Annual fee |
$48 p.a. |
$18 p.a. |
$18 p.a. |
$Nil |
$90 p.a. |
$36 p.a. |
$Nil |
| Annual fee in the first year |
no |
no |
no |
N/A |
yes |
yes |
N/A |
| Annual fee waiver (Visa purchase) 3 |
no |
$10,000 |
$10,000 |
N/A |
no |
$20,000 |
N/A |
| Introductory variable rate for the first 13 months period 4 |
8.95% p.a. |
8.95% p.a. |
8.95% p.a. |
N/A |
8.95% p.a. |
8.95% p.a. |
N/A |
| Ongoing variable rate after introductory period |
15.75% p.a. |
15.75% p.a. |
15.75% p.a. |
11.30% p.a. |
15.75% p.a. |
15.75% p.a. |
10.75% p.a. |
| Monthly repayment 5 |
3% or $10 |
3% or $10 |
3% or $10 |
3% or $10 |
3% or $10 |
3% or $10 |
3% or $10 |
| Minimum credit limit 6 |
$1000 |
$1000 |
$500 |
$1000 |
$5000 |
$5000 |
$5000 |
| Maximum credit limit 6 |
$10,000 |
$10,000 |
$500 |
$10,000 |
$50,000 |
$50,000 |
$50,000 |
| Rewards program |
Heritage
Credits |
N/A |
N/A |
N/A |
Heritage
Credits |
N/A |
N/A |
| For every whole $1000 spent per calendar month |
1 credit |
N/A |
N/A |
N/A |
2 credits |
N/A |
N/A |
Additional Services:
Footnotes
- Additional interest free days after statement date. On Visa purchases only, if full payment is received before interest free period expires
- Interest on No Frills product is charged from date transaction is debited
- On Visa purchases only. Excludes cash advances, credit charges and government duties
- Available on new accounts only
- Minimum repayment based on percentage of outstanding balance is 3% or $10.00 whichever is the greater, plus overlimit or past due amounts
- Subject to application and approval. Fees, charges and conditions apply
- Conditions apply
- Travel Assistance Services include medical referral and assistance, legal referral and assistance, ATM locator service, emergency ticket replacement assistance, lost luggage assistance, emergency message service, valuable document delivery assistance, prescription assistance, emergency translation service, emergency transportation assistance, pre-trip assistance