Cardholders should review their transactions regularly and notify Heritage promptly of any unauthorised Visa use or contact Heritage to find out more. ~ 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. ® Registered to BPAY Pty Ltd ABN 69 079 137 518 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 at outlet. Please read the Heritage Credits Terms and Conditions (available in-branch, by phoning 13 14 22 or at ) for full terms and conditions. For further information, refer to the Guide to Heritage Credit Card Productsand the Credit Card Balance Transfer Application. ‡ Balance transfer requests are processed for approved applicants only and conditions, fees and charges apply. Please read your Credit Card Details and the Guide to Heritage Credit Card Products. for more information. Interest is charged if you do not pay the closing balance in full by the due date. If your card does, interest is not charged on purchases when you pay the closing balance in full by the due date every month. * Some Heritage credit cards offer an interest free period for purchases.
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