THE HERITAGE REWARD CREDIT CARD REVIEW
The Heritage Reward Credit Card - Reward Credit Card
(Which Way To Pay - 24/11/2011)
Heritage is Australia's biggest building society, with a history going back to 1875. 

Heritage is an authorised deposit-taking institution under the Banking Act, similar to all banks, building societies and credit unions. Heritage is a mutual company. They are independent - owned by members, not shareholders. So instead of pursuing massive profits, their focus is on putting people first. 

The Heritage Classic Rewards comes with a introductory rate of 8.95% and has no annual fee in the first 13 months - afterwards it is a variable rate of 16.75%. 

A very practical feature is, that the card can be linked to a transaction account so one only needs one card. A wide range of payment options apply. 

Card holders benefit as well from faster payments for items under $35 with Visa’s small ticket transaction service. The card can be personalized with one’s own photo. 

Heritage Credit is earned, but only with purchases, cash advances and credit charges are excluded
The Heritage Reward Credit Card is ranked 4 out of 5. Based on 1 review.

4 Star Rating
    
REVIEW RATINGS EXPLAINED
1 Star: 1 Star RatingPoor
In relation to other products, has performed badly and has little or no worthwhile benefits.
2 Stars: 2 Star RatingBelow Average
Has some features of value, but in comparison to others performs below standard.
3 Stars: 3 Star RatingAverage
A fair product with regards to its competitors - has no outstanding features or benefits.
4 Stars: 4 Star RatingGood
In comparison to other products performs above standard, has beneficial features.
5 Stars: 5 Star RatingExcellent
Performs well above standard in comparison, has exceptional features and benefits.

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REWARD CREDIT CARD
The Heritage Classic Rewards