Let’s have a closer look at the services and features that this great credit card has to offer it’s users.
What Are The Fees For This Credit Card?
This Rewards MasterCard from Heritage Isle Credit Union is offered as both a Silver and Gold credit card. The annual fee for the Silver card is $45 and the annual fee for the Gold card is $85.
In addition to this, there is an excellent balance transfer rate of only 4.9% p.a. for the introductory period of six months. Balance transfers are a great way for you to pay off your existing outstanding credit cards. They allow you to take your unpaid balances and to transfer them to a credit card with a lower rate, just like this Rewards credit card from Heritage Isle Credit Union. Once your balances have been transferred, you will be able to start paying your balances off, while taking advantage of the low fees that are being offered. The benefit of this is that you will be able to pay your balance off at a lower interest rate. This means that more of your payment will be going towards paying your debt, rather than having most of it go towards the interest charges.
If you find that you sometimes have difficulty paying your balances off on time, you will be able to take advantage of 55 interest free days with this credit card. These extra days can be a great help when it comes to getting back in control of your finances. Having a little more time and flexibility to pay back your balance will be very beneficial to you.
What Type Of Rewards Can I Get?
This credit card rewards you with 1 point for each dollar that you spend. So, what can you redeem these points for? There are a lot of choices available to you, they include:
- Cashback, which can be used to pay off the existing balance on your credit card, or it can be put towards paying the credit card’s annual fee
- Vouchers can be redeemed for your favourite shops, such as Harvey Norman, Kmart, Target and David Jones and more
- Electronic equipment can be redeemed, this includes printers, cameras, iPods and mobile phones
- You can choose from a wide range of other gifts, including books, wine, subscriptions and more
If you have the Gold Rewards credit card, then you have the option of converting your reward points to Qantas Frequent Flyer rewards. If you decide to have this program, your points will be transferred from your Gold Rewards account on to your Qantas Frequent Flyer account every month on the statement date. This option has an annual fee of $118.
What Other Benefits Are There?
You have the ability to add more cards to your account. For no charge, you can add as many as four extra cards!
As a Silver or Gold Reward card holder, you will receive free purchase insurance which covers new items that you have purchased for 3 months. They will be covered against loss, theft or damage if they are purchased with your Rewards MasterCard.
If you have the Gold Rewards card, you will receive free overseas travel insurance, which will save you a lot of money! The Gold card also comes with a much higher credit limit. This starts at $5,000 and goes up to $25,000.
This credit card will increase your ability to spend all over the world by having the MasterCard logo. You will be able to make purchases locally, internationally and online, all with the security of MasterCard and with the excellent service that is offered by Heritage Isle Credit Union.
