Heritage
Unsecured Business Visa Credit Card
Heritage · cred and chrg cards
Provider last updated this product 2026-06-04.
Business Credit card gives business owners access to a credit card facility, plus the option of having more than one card to cover monthly fuel, accommodation and other business expenses.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| PURCHASE | 12.95% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest rates are on a per annum basis. | |||||||
| CASH ADVANCE | 12.95% | - | OTHER | OTHER | - | - | calculated daily, paid monthly |
| Interest rates are on a per annum basis. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Emergency Card Fee- Outside Australia | EVENT | $200 | Whenever a replacement card is requested to be delivered within 5 days |
| Emergency card replacement fee- within Australia | EVENT | $25 | Whenever a replacement card is requested to be delivered within 5 days |
| Overseas currency conversion fee | TRANSACTION | 3.00% | Fee is calculated on the Australian dollar amount of the transaction |
| Annual fee | PERIODIC | $45 | Charge per card |
| Cash Advance Fee | TRANSACTION | 2.00% | Cash Advance Fee applies whenever one of the following transactions are performed; Cash withdrawal, cheque withdrawal, periodic payment, direct debit, manual transfer or debit transfer counter transactions at a Heritage Branch; ATM/EFTPOS cash withdrawal or transfer within Australia or overseas*; Cash withdrawal over the counter at another financial institution (domestically or overseas*); Heritage Access Line Transfer; Heritage Online transfer (including payments made by Mobile Banking and New Payments Platform transfers) and withdrawals through Bank@Post (including purchase withdrawals with a cash out component). Other fees may also be applicable for certain cash advance transactions. |
| Overseas ATM or counter withdrawals (Visa) | TRANSACTION | $5 | Overseas currency conversion fee is added to base fee |
| Replacement Fee | EVENT | $10 | Whenever a replacement card is requested. In each successive 12 month period |
| Statement replacement fee | EVENT | $7.50 | Whenever a copy of a previous statement is requested |
| Direct Debit Dishonour fee | EVENT | $10 | If a direct debit authorised to be made from or to your account is dishonoured |
| Document/Record Search Fee | EVENT | $12 | Whenever we provide a copy of a document relating to your card account at your request |
| Manual Transfer Fee- Heritage account | TRANSACTION | $2.50 | Whenever we manually transfer funds from your card account. |
| Manual Transfer Fee-External Payee | TRANSACTION | $4 | Whenever we manually transfer funds from your card account to another financial institution including a People's Choice branded account. |
| Sweep Fee | TRANSACTION | $2 | Whenever you place a sweep on your card account to allow funds to be drawn from it and transferred to another Heritage account to meet drawings on that other account. |
| Periodical Payment | PAYMENT | $3 | To another financial institution or BPAY - Set up by Heritage staff member |
| Periodical Payment | PAYMENT | $0 | To another Heritage account |
| Default fee | EVENT | $20 | If a payment remains outstanding after its due date |
| Overlimit Fee | EVENT | $10 | Charged per dat on the date of any debit, other than for fees and charges or interest, to your facility account which causes an overdrawing or further overdrawing. |
| SMS Banking- SMS Alerts | EVENT | $0.25 | If an SMS alert is delivered by SMS to your mobile phone |
| Additional Statement Fee | EVENT | $1 | For the second and each subsequent statement issued during a month, or when a statement is issued on your facility account at your request at any time before the next statement issuing date. |
| Transaction Listing Fee | EVENT | $5 | When a transaction listing between two given dates is issued on your facility account |
| Heritage on-line business internet banking payroll and creditor batch payments | TRANSACTION | $0.05 | - |
| Heritage on-line business internet banking account recconciliation | TRANSACTION | $0.05 | - |
| Heritage on-line business internet banking security token fee | EVENT | $50 | - |
| Audit certificate fee | EVENT | $15 | - |
| Paper Based Statement Fee | OTHER | $3 | Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 12.95% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- Bank@Post facility available. Minimum deposit of $20, maximum deposit of $8,000, minimum withdrawal of $20, maximum withdrawal of $2,000.
- Electronic or paper statements available
- Periodic payments and direct debit available
- Sweep facility available
- Visa emergency services available
- SMS Sevices
- Business Credit Cards can be issued to business owners and their employees to pay for monthly fuel, accommodation and other business expenses
- Allows personal and business expenses to be kept separate
- Convenience to take care of business expenses without having to carry cheques and petty cash
- Individual monthly spend limits are set by the business owner
- Multiple credit cards are issued under one overall approved limit, but each card has an individual spend limit
- Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts.
- Visa Zero Liability Policy
- 24/7 Visa Global Customer Assistance Service - access to emergency cash disbursement worldwide. Cash disbursement must be within the available credit limit of your card. (Fees and limits may apply).
- Select your own Pin
Who can apply
- min age - 18
Limits
- min limit - 1000.00Minimum limit per individual card of 500.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-06-04T00:02:48.231Z · Product ID: 59c9ee22-c20e-4f97-bb8c-692b7fa4ad99