Secured Business Visa Credit Card

 General Lending Rates

• Lending Rate Type: Cash Advance
• Interest Rate: 10.65%, 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.

• Other Additional Information: Electronic or Physical statements available

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

• Other Additional Information: periodic payments and direct debit available

• Bill Payment

• Other Additional Information: Sweep facility available

• Digital Wallet

• Other Additional Information: Visa emergency services available

• Card Access

• 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.

• Other Additional Information: SMS Sevices

• Loyalty Program

• Other Additional Information: Business Credit Cards can be issued to business owners and their employees to pay for monthly fuel, accommodation and other business expenses

• Other Additional Information: Allows personal and business expenses to be kept separate

• Other Additional Information: Convenience to take care of business expenses without having to carry cheques and petty cash

• Other Additional Information: Individual monthly spend limits are set by the business owner

• Other Additional Information: Multiple credit cards are issued under one overall approved limit, but each card has an individual spend limit

• 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 Zero Liability Policy

• Other Additional Information: 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).

• Other Additional Information: Select your own Pin

• Other Additional Information: BPAY

 Product Eligibility

• Min Age - 18.

 Bank Fees and Charges

• Emergency Card 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 Conversion Fee (Transaction), Amount: Not Listed.. Additional Information: Fee is calculated on the Australian dollar amount of the transaction

• Annual Fee (Periodic), Amount: 45.00. Additional Information: Charge per card

• Cash Advance Fee (Transaction), Amount: Not Listed.. Additional Information: 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

• 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

• 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

• 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.

• 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.

• Periodic Payment Fee (Transaction), Amount: 3.00. Additional Information: For each periodic payment from your card account

• Interest Recalculation Fee (Event), Amount: 20.00. Additional Information: Whenever you ask us to recalculate interest on your card account

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

• Overlimit Fee (Event), Amount: 10.00. Additional Information: 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), Amount: 0.25. Additional Information: If an SMS alert is delivered by SMS to your mobile phone

• Additional Statement Fee (Event), Amount: 1.00. Additional Information: 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), Amount: 5.00. Additional Information: When a transaction listing between two given dates is issued on your facility account

• Cash And Coin Handling Fee (deposit) (Transaction), Amount: Not Listed.. Additional Information: If a cash deposit is made to your facility account at a heritage branch or mini-branch of coins which have not been correctly bagged and counted

• Cash And Coin Handling Fee (withdrawals) (Transaction), Amount: 1.00. Additional Information: If a cash withdrawal of over $2000 is made from your facility account

• Heritage On-line Business Internet Banking Payroll And Creditor Batch Payments (Transaction), Amount: 0.05.

• Heritage On-line Business Internet Banking Account Recconciliation (Transaction), Amount: 0.05.

• Heritage On-line Business Internet Banking Security Token Fee (Event), Amount: 50.00.

• Audit Certificate Fee (Event), Amount: 15.00.

 Limitations & Restrictions (Constraints)

• Min Limit of 1000.00 Additional Information: Minimum limit per individual card of 500.00