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• Up to 55 days interest free for your Visa purchases^~
• 0% interest on balance transfers for 12 months^*
• Earn three (3) Heritage Finance Holdings Credits for every $1,500 spent per calendar month^#
• Platinum Insurance cover for travel overseas and in America, purchases, extended warranties, and more.
• Monthly repayments at 3% of balance or $30, whichever is greater^‡
• Shop with confidence with Visa's Zero Liability policy^
• Credit limits from $6,000

• Credit limits from $1,000
• Up to 55 days interest free on Visa Classic purchases*
• Earn one (1) Heritage Finance Holdings Credit for every $1,300 spend per calendar month^†
• Monthly repayments at 3% of balance or $30, whichever is greater^
• Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers and at your local branch. 
• Balance enquiries and cash advances at Heritage Finance Holdings ATM's
• Shop with confidence with Visa's Zero Liability policy^#
• Access to Visa Offers + Perks 
• Online shopping secured with Visa

• $0 annual fee
• Visa Gold Credit Card limits from $1,000 
• No interest free days to suit those who carry over a balance^~
• 0% interest on balance transfers for 12 months^*
• Monthly repayments at 3% of balance or $30, whichever is greater^‡
• Visa Offers + Perks 

• 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
• Up to 40 days interest free on your Visa purchases*
• Multiple credit cards are issued under one overall approved limit, but each card has an individual spend limit