What Is Heritage Bank About?

Heritage Bank has been working to help people with their financial needs since 1875. It is mutual bank that takes in deposits in accordance with the Banking Act. This makes Heritage Bank similar to other banks and credit unions around the country.

Heritage Bank is an independent business that is owned by its members. The goal of Heritage Bank , whether it is to handle debt securities, deposits or cards, is to ensure that all customers can be treated fairly and with the most support possible.

Heritage Bank Credit Card

Heritage Bank also offers many credit cards for its customers. You can take advantage of a variety of different kinds of cards from Heritage Bank . These include such useful types of cards as:

  • Basic low rate cards; these are also known as No Frills cards
  • Low fee Basic cards
  • Rewards cards that work with a variety of special offers
  • My First Credit Card, a great tool for those who are starting out with credit
  • The Visa Debit Card; this is unique for those who want to get a card without worrying about credit limits and other concerns

Many of these cards can come in two forms. These include the standard Classic version and the advanced Gold version for experienced card users with good credit reports.

The odds are there is a good Heritage Bank credit card for your needs. Here is a closer look at all of these types of credit cards. All of these cards are going to feature their own unique special features and functions. They are all some of the most useful types of cards that you can get when it comes to handling your money.

The No Frills Line

The first series of Heritage Bank credit cards to see is the No Frills line. This is a type of card from Visa that you can use if you simply want to get something that has a low interest rate without too many things attached to it.

There are two types of cards in this line. These are the Visa Classic and Visa Gold. These two cards have their own special differences. You can get a Classic card when you start and eventually upgrade to a Gold card over time. You’ll learn more about the differences in these two cards later on in this section.

There are all sorts of great advantages that you can use with either the Classic or Gold editions of the No Frills Visa card:

  • No annual fees are used
  • No interest free days are used; this is to cater to those who plan on having their balances carry over
  • All monthly repayments will be handled with a minimum of $30 or 5% of the balance; this depends on what is larger
  • Access to a variety of ATMs around the country; these include not only Heritage Bank ATMs but also BankSA, St.George and Westpac ATMs
  • Can be paid off in many ways

There are two important differences to see between these two kinds of cards. The first difference involves the introductory rates. The introductory rate will be used on the Classic card. It will not be used on the Gold card.

Also, the credit limits on these cards will vary. You can get a credit limit between $1,000 and $10,000 on the Classic card. The Gold card will have a much higher limit attached to it. This limit will range from $5,000 to $50,000. This can be incredibly beneficial if you have a strong credit history. You may get a higher credit limit if your history is better in value.

The Low Fee Line

The next line of Heritage Bank credit cards to use is the Low Fee line of cards. You can get a Classic or Gold Visa card in this line.

The first type of card to review is the Classic Basic card. This is a card that does not have an annual fee on it for its first twelve months. The annual fee after this time period ends will be $18 per year. Also, the annual fee can be waived in the event that the purchases within the calendar year end up being greater than $10,000 in value.

A big point about these two types of cards is that they will work with some very low annual fees. This means that you can afford to hold onto one of these cards for a while.

Get Your First Credit Card

Another thing to consider when getting a Heritage Bank Visa card is to see what you can use if you are getting a card for the first time. You can use a Heritage Bank My First Credit Card from Visa. This can help you to get into the world of credit cards as easily as possible.

The thing about this credit card is that it has a low credit limit. You can only spend up to $500 on your card. However, this is easily offset by a variety of different benefits that you can take advantage of.

  • The interest rate on your card will be the same as it is with just about every other Heritage Bank Visa card. This includes a low rate. Also, you can get up to twenty-five interest free days on your card.
  • The fees on your card are very low in value. You will not have to pay an annual fee on your card for the first year. The annual fee after that is $18 per year.
  • You can pay off your card in a Heritage Bank branch or online or by statement. The minimum payment will be the same 5% or $30 standard that is used on all other cards.

This type of card will be very easy for you to deal with. It will be smart to use this card if you are looking to get into the world of credit cards but do not know too much about how these cards can work for you.

Get A Debit Card

Heritage Bank offers more than just Visa credit cards. Heritage Bank also offers Visa debit cards. You can use a debit card just like you would with cash. This will be linked to your own Heritage Bank savings account. It is a very easy type of card to use. It will also be something that can be accepted at any outlet that accepts Visa cards.

You can also use your debit card at varying ATMs. It can work at ATMs with the Visa logo and at EFTPOS outlets and other financial centres.

The Visa debit card from Heritage Bank will allow you to withdraw money and make online or phone purchases as long as there is Visa support for your card. You can also pay bills automatically to different creditors that can accept Visa payments.

There are some additional things about a debit card to see. These features relate to many fees:

  • You will need to use the credit purchase option instead of a savings or cheque payment option if you want to get your transaction to not feature any Heritage Bank transaction fees. You can use this if you are going to make an EFTPOS transaction.
  • You might be able to only make savings or cheque payments through some online retailers when you use your card. Transactions like these will be credited as chargeable EFTPOS transactions and will be subjected to the appropriate fees for these deals.

Heritage Bank Cards With Rewards

You can get a card with its own rewards system. This will work through the Classic Rewards and Gold Rewards cards. These cards can allow you to get a variety of special points for every dollar that you spend on a card. This is one of the best ways how Heritage Bank supports all customers for their loyalty.

The rewards that you can get off of these cards are great to see. You should first take a look at the basic features on these cards before getting one of these cards to work for you.

The rates that you can get on these Rewards cards are similar to what is used with other Heritage Bank cards.

The credit limits also vary by each card. The Classic card has limits from $1,000 to $10,000. The Gold card has limits from $5,000 to $50,000.

There are plenty of benefits that are shared between each card as well:

  • You will get Heritage Bank Credits for every $1,000 that you spend in a month. This works on Visa purchases only. Credit charges and cash advances are not included.
  • You can pay off your card online or by mail. You can also do so at your local Heritage Bank branch. The options that you have for paying off your card are incredibly beneficial.
  • You’ll have monthly repayment minimums of $30 or 5% of your balance. This depends on what you spend and which is larger.

How The Rewards Work

You will get reward points for purchases that are made on these reward cards. Heritage Bank offers these rewards as a means of thanking its customers for choosing Heritage Bank . After all, Heritage Bank completely understands that you have all sorts of different options to choose from when finding different cards.

First, you should know that the registration for the rewards service is automatic. This is because all people who have Classic or Gold Rewards cards with Heritage Bank will automatically qualify for the Heritage Bank Credits system.

You can get credits in many ways:

  • You can get credits by spending on your card in varying places.
  • Bonus credits are available through varying bonus partners.
  • There are many special promotions for credits throughout the year.
  • Points are earned during membership anniversaries.

You can also get access to your rewards by doing many things:

  • You can go online at your Heritage Bank online banking portal at Heritage Bank .com.au to see how your balance is going. You can use this to redeem rewards as well.
  • You can call 13 14 22 and choose optional 8 to find out what your balance is.
  • The quarterly newsletter that offers details on rewards and other offers can be found at Heritage Bank .com.au. The rewards will change often.

How Many Credits?

The amount of credits that you can earn off of the program will vary according to what you have. Here is a look at how many credits you can get:

  • You will get 2 credits in a month for every $1,000 spent on your Gold Rewards card.
  • You can get 1 credit in a month for every $2,000 spent on a Classic Rewards card.
  • Anniversary credits are available to those who have been with Heritage Bank for a while. You will get these credits on your anniversary rate. The number of bonus credits that you can get will include:
    • 1 credit per year for a membership maintained for 2 to 4 years
    • 2 credits per year for a membership from 5 to 7 years
    • 3 credits per year for a membership that is 8 years or longer
  • You can get bonus credits if you have a savings account with Heritage Bank . You can get 1 credit every month if you have a balance between $5,000 and $24,999. You can get 2 credits each month if your monthly balance is greater than $25,000.

What Benefits Can You Get?

The rewards that are around with these reward cards are great to see. You will get access to them through the online shopping mall at benefits.com.au/Heritage Bank . The rewards that you can get include such things as:

  • Travel discounts
  • Movie tickets
  • Gift cards to a variety of retailers
  • Wines and other luxury products
  • Assorted gifts for a variety of occasions
  • Discounts on seating and tickets for special events
  • Varied discounts on all sorts of products from many leading brands

Of course, you can always get details on the latest offers in the quarterly newsletter for reward card holders. This newsletter is available on the Heritage Bank website.

Access To Visa Services

A good point about these cards is that they all offer special access to different services that Visa has to offer. Here are a few special services that you can use:

  • Each Heritage Bank card will include access to Visa Entertainment offers. This includes access to pre-sale events, special discounts on entertainment items, and even special contest offers.
  • Your card will be protected with Verified by Visa services. This is used to ensure that you can confirm online purchases with your card before they are used. This is so you can keep from becoming a victim of online fraud. You will need to be registered for online banking with Heritage Bank in order to use this service.
  • You can create your very own card with your own personal image. You can get a photo posted on your Heritage Bank Visa card for just $15.

More On Verified By Visa

Verified by Visa is one of the best security features that you can use when getting your Heritage Bank Visa card to work for you. This will work like a PIN number for online purchases.

You can use this in that you can enter in your Visa card number on a website when ordering something. The site can then ask you for your password. This is provided that your card is registered with Verified by Visa and that the website can handle Verified by Visa transactions. You should check to see that a Verified by Visa mark is on the website that you will be shopping on.

There are many points about Verified by Visa that you should consider. The first point involves signing up for the service. The process of doing so is easy to do:

  • Sign up for online banking with Heritage Bank . You must be a member of this service in order to use the Verified by Visa service.
  • Go to the Services section of online banking and then to the Set Verified by Visa Password.
  • You will have to enter in the appropriate Heritage Bank Visa card number in order to register for the service.
  • You can choose your own password. This is what you will have to enter if you want to confirm an online purchase. You will need to enter this password twice for verification purposes when setting it up.
  • Create an assurance message for your password. This message when appear on the screen when using your card for an online order or transaction.

Another point is that this can be used on all of your Visa cards. Different passwords can work for different Heritage Bank Visa cards.

You will also have to wait for a business day to get your security password set up. This time is needed so Visa can handle your transaction.

Of course, you should also be using a few other security standards when you are shopping online. There are many things that you should be doing in addition to using your Verified by Visa password:

  • Watch for the security of a site. An https page should be used when ordering something online.
  • Be sure to keep your password a secret. This is so only you can get access to your card for online needs.
  • You should only give details on your card when ordering something with it.
  • Be sure to review the return and delivery policies on a site. This is so you can determine if you can return something and if you will have to pay anything for a return.
  • Always keep records of all transactions that you are getting into when ordering things with your card. This can be used in the event that you have to make a return on anything.

API and Heritage Bank Are Working Together

One of the most unique rewards features from Heritage Bank is the link between Heritage Bank and API. API is a company that has been around for more than eighty years to help people who are members of varying organisations around Australia to take advantage of many deals.

You can get into API if you have a Heritage Bank card of any type. You can get into API for $63 for the first year and $110 in every year after that.

You will get access to all sorts of special discounts and deals from a variety of retailers around Australia when you become a member of API. The discounts that Heritage Bank card holders can get will include:

  • Annual Heritage Bank Directory discounts. You can get discounts at more than 600 different restaurants and hotels all around Australia.
  • API Holiday Units. You can get exclusive API deals on holiday units all around the country. You can save up to 35% off the cost of different units. You may even get top priority for some units.
  • API Living. This bimonthly magazine is free for members. You can learn about the latest API offers through this magazine.
  • Starcard and Shell Card services. You can use these cards to get a discount of three cents per litre at all sorts of Caltex and Ampol stations. Also, Shell will offer a discount of four cents per litre off of the SCD average price on fuel purchases.
  • Special shopping deals. You can get vouchers that will allow you to save up to 10% on your purchases at varying groceries and retailers.
  • Childcare services. You can learn about different childcare services around Australia. This includes details on all functions and costs associated with varying services.
  • The Chloe Club for Kids. This kids’ club is free for kids to enter. These include special contests for kids and birthday specials.

Make Your Own Card

You can even make your card look unique by getting its own special picture on it. You can get your own custom image printed on your card for only $15. This can be used to help make your card look its best.

It is incredibly easy to get this to work with just about any type of image that you might have. You will need to follow these simple instructions in order to get your own card prepared:

  • Visit the official card creation website at chooseyourowncard.com.au. You will need to select the specific type of card that you are creating. All Heritage Bank Visa cards will be supported here.
  • You can select your own image or an image from the website. You can find your own image on your hard drive if you have one on it. The image will have to be uploaded to the site if you are going to use this option. All image rules will apply.
  • Resize the image or edit it to the option that you want to use. The card image should cover the entire body of the card if this is going to work.
  • Confirm the appearance of your card and agree to the terms and conditions of the deal. You will also need to send out your email address at this point.
  • Print out the confirmation screen. This will be used as a means of having a record of your purchase so you can be ensured that the right type of card will be sent out to you later on.

Be sure to check on all of the image rules, terms and conditions on the site. You can learn about these details by visiting the website listed above for the card creation service.

How To Switch

You can easily switch to Heritage Bank if you want to get a transaction account or other type of financial service to work for you. You can get a card to work for your needs for all sorts of different debts that you are going to pay off on a regular basis. Any of the cards that were mentioned earlier here can be used.

You will need to follow a few steps in order to get a card set up and to switch payments on it. Here are some of the steps that you can use:

  • Open your new credit card account but keep your old one open with some money available for it. This is so you will not miss any payments when switching from one card to another.
  • Get all debits and credits from your old card company. You will need this information in order to get your account set up.
  • Transfer your direct debits and credits to the Heritage Bank Visa card. You will need to ensure that your creditors and others that work with these debits and credits have your new card details along with your old card details.

These steps can help you to easily get your card to be transferred from one party to another. This should not be too difficult for you to work with if you want to get a card to work for you.

In summary, the credit cards that you can use from Heritage Bank are all great for you to take a look at. These credit cards will work with a variety of different options and styles that can easily fit any type of need that you have.

You can use basic cards or cards that have rewards on them. You can also use a card that may work best if you are simply starting out with credit cards. Debit cards can work too.

All of these cards will have their own special benefits. You can get plenty of bonus materials on your card and even your own personal image on a card. Getting your card to work with your direct debit services is also easy to do. Be sure to take a look at all of these features if you are looking to find a convenient credit card that can work out right for whatever needs you have.