Visa Classic

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 19.99%, Comparison Rate 0.00%
• Repayment Type:
• Loan Purpose:

 Product Features

• Other Additional Information: Bank@Post facility available. Minimum deposit of $20, maximum deposit of $3,000, minimum withdrawal of $20, maximum withdrawal of $1,000.

• Digital Banking

• Digital Wallet

• Other Additional Information: Access to emergency cash disbursement worldwide with Visa Global Customer Assistance Service. Cash disbursement must be within the available credit limit of your card. (Fees and limits may apply).

• Loyalty Program Additional Information: On Visa purchases only. Excludes cash advances, interest charges, credit fees and charges, disputed transactions, foreign exchange purchases, travellers cheques, credit card payments, gambling chip purchases, bill payments using BPAY® or utility bills paid over the counter at a financial institution or Bank@Post outlet

• Interest Free Additional Information: If Purchase Transactions made on your account may be eligible for an interest free period, then to be eligible for that interest free period you must pay your Closing Balance as shown on your most recent statement in full by the applicable Due Date. If you do not pay your Closing Balance in full by the applicable Due Date, then your outstanding balance of Purchase Transactions shown on the most recent statement will attract interest as per Section 8. Interest. of the Guide to Heritage Credit Card Products.

• Card Access

• Other Additional Information: Periodical payments and Direct debits available

• Other Additional Information: Electronic or paper statements available

• Other Additional Information: SMS service

• Other Additional Information: Sweep available

• Other Additional Information: Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts.

• Other Additional Information: Visa's Zero Liability policy covers Australian issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions, conditions apply. Cardholders should review their transactions regularly and notify Heritage promptly of any unauthorised Visa use or contact Heritage to find out more. You should be aware if you submit an unauthorised Visa transaction request, Heritage will need to review your request before provisional credit may be provided.

• Other Additional Information: Visa Offers + perks

• Other Additional Information: 24/7 Visa Global Customer Assistance Service

• Other Additional Information: Wide range of payment options including BPAY, automatic credit card payments, internet banking transfers, and over-the-counter at your local branch

• Other Additional Information: Balance enquiries and cash advances at Heritage ATMs

• Other Additional Information: Online shopping secured with Visa

• Other Additional Information: Set up Email or SMS alerts to keep track of transactions on your account

• Other Additional Information: Select your own PIN

• Other Additional Information: Cancel or place your card on hold, block online, international, in-store or all card payments in our Mobile Banking App in our Mobile Banking App

 Product Eligibility

• Min Age - 18.

• Residency Status - Australian Permanent Residents And Citizens.

 Bank Fees and Charges

• Emergency Card Replacement Fee- Outside Australia (Event), Amount: 200.00. Additional Information: Whenever a replacement card is requested to be delivered within 5 days

• Emergency Card Replacement Fee- Within Australia (Event), Amount: 25.00. Additional Information: Whenever a replacement card is requested to be delivered within 5 days

• Overseas Currency Coversion Fee (Transaction), Amount: Not Listed.. Additional Information: Fee is calculated on the Australian dollar amount of the transaction

• Annual Fee (Periodic), Amount: 55.00.

• Balance Transfer Fee (Variable), Amount: Not Listed.. Additional Information: Refer to heritage.com.au/balancetransfer to see the current Balance Transfer Offers and Fee.

• Cash Advance Fee (Transaction), Amount: Not Listed.. Additional Information: Transaction 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), Amount: 5.00. Additional Information: Overseas currency conversion fee is added to base fee

• Replacement Fee (Event), Amount: 10.00. Additional Information: Whenever a replacement card is requested. In each successive 12 month period

• Supplementary Visa Card Fee (Event), Amount: 7.50. Additional Information: On the issue of the third and each subsequent visa card on issue on your card account

• Statement Replacement Fee (Event), Amount: 7.50. Additional Information: Whenever a copy of a previous statement is requested

• Direct Debit Dishonour Fee (Event), Amount: 10.00. Additional Information: If a direct debit authorised to be made from or to your account is dishonoured

• Default Fee (Event), Amount: 20.00. Additional Information: If a payment remains outstanding after its due date

• Periodical Payment (Payment), Amount: 3.00. Additional Information: To another financial institution or BPAY - Set up by Heritage staff member

• Periodical Payment (Payment), Amount: 0.00. Additional Information: To another Heritage account

• Document/record Search Fee (Event), Amount: 12.00. Additional Information: Whenever we provide a copy of a document relating to your card account at your request

• Heritage Cheque Fee (Transaction), Amount: 10.00. Additional Information: Whenever a payment from your card account is made by a cheque drawn by us

• Sweep Fee (Transaction), Amount: 2.00. Additional Information: 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.

• Manual Transfer Fee- Heritage Account (Transaction), Amount: 2.50. Additional Information: Whenever we manually transfer funds from your card account.

• Manual Transfer Fee-external Payee (Transaction), Amount: 4.00. Additional Information: Whenever we manually transfer funds from your card account.

• Telegraphic Transfer Fee- Within Australia (Transaction), Amount: 30.00. Additional Information: Whenever a payment from your card account is telegraphically transferred.

• Telegraphic Transfer Fee- Outside Australia (Transaction), Amount: 50.00. Additional Information: Whenever a payment from your card account is telegraphically transferred.

• Special Request Transaction Listing Fee (Event), Amount: 7.50. Additional Information: Whenever a listing of transactions between two given dates is issued on your card account

• Rtgs Deposit Fee (Transaction), Amount: 10.00. Additional Information: When a payment/transfer to your card account via RTGS occurs

• Sms Banking- Sms Alerts (Event), Amount: 0.25. Additional Information: If an SMS alert is delivered by SMS to your mobile phone

• Package Annual Fee (Periodic), Amount: 350.00. Additional Information: When your Card Account is the nominated Visa credit card for a Package and you meet the Package Eligibility Criteria Package containing solely Home Advantage Package eligible Loans / Facilities. $300 per year - Package including Professional Package eligible Loans / Facilities. Fee waived if total outstanding balance owing on anniversary date, on all eligible loans linked to the Package, is equal to or more than $500,000.00. Once all Professional Package eligible Loans / Facilities are repaid in full and your Package contains solely Home Advantage Package eligible Loans / Facilities, you agree that the Package Fee for Packages containing solely Home Advantage Package eligible Loans / Facilities (see above) will apply from the date on which the last Professional Package eligible Loan / Facility is repaid in full.

• Overlimit Fee (Event), Amount: 10.00. Additional Information: Charged on certain debits which cause you to exceed your Credit Limit or which occur while you are in excess of your Credit Limit, up to a maximum of one Overlimit Fee per day.

• Paper Based Statement Fee (Variable), Amount: 3.00. Additional Information: Fee is charged for each paper statement issued as per your account statement cycle. Excludes eStatements which are free of charge.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00