The Bank of Heritage Isle Visa Credit Card combines ongoing cost-saving features, a competitive interest rate to purchases, balance transfers and cash advances.
Bank of Heritage Isle Visa credit card
Terms and conditions apply
- Balance transfer rate with no balance transfer fee
- 10.76% p.a.
- Purchase rate
- 10.76% p.a.
- Annual fee for the first year ($30 p.a. thereafter)
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Save with a low purchase rate of 10.76% and no first-year annual fee.
The Bank of Heritage Isle Visa gives you a mix of low-cost and simple credit card features, with a low variable 10.76% p.a. interest rate on purchases, balance transfers and cash advances. It also has a $30 annual fee that’s waived in the first year.
Pros
-
$0 annual fee for the first year
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A low interest rate of 10.76% p.a. on purchases and cash advances
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Compatibility with Apple Pay, Samsung Pay and Google Pay
Cons
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Charges a 3% foreign transaction fee
Details
Product details
| Product Name | Bank of Heritage Isle Visa Credit Card |
| Balance transfer rate p.a. | 10.76% |
| Purchase rate p.a. | Purchase rate p.a. 10.76% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 10.76% |
| Min credit limit | $1,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $0 first year ($30 after) |
| Minimum monthly repayment | 2.5% of the closing balance or $5, whichever is greater |
| Late payment fee | $10 |
| Foreign currency conversion fee | Foreign currency conversion fee 3% |
| Number of additional cardholders | 1 |
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Sally Finder
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