People First Bank / Heritage Bank Secured Business Visa Credit Card

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Secured Business Visa Credit Card is a credit card from People First Bank / Heritage Bank, as the bank publishes it in its product data. Its purchase rate is 10.65% and its card fee $45 a year.

Not ranked: not available to new customers.

What the feed states

Purchase rate

10.65%

Cash advance rate

10.65%

Interest-free days

up to 40

Card fee

$45 a year (Annual fee)

Foreign transaction fee

3% of the transaction

Additional cardholder fee

$1

Rewards programme

Heritage Credits is Heritage's loyalty program

Digital wallets

Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, Apple Pay

Credit limit

from $1,000

Minimum age

18

Scheme

Visa

Conditions and offers

• corrected from the bank's own page: no longer offered: Heritage Bank's credit card page says its cards are no longer available, and People First Bank lists only a personal Visa
• secured against a deposit

About this card

Business Credit card gives business owners access to a credit card facility, plus the option of having more than one card to cover monthly fuel, accommodation and other business expenses.

Data

• People First Bank / Heritage Bank's own page for this card.
• The issuer's documents its feed links to: terms and conditions, fees.
• Our verbatim snapshot of the bank's product record (source), as fetched on 2026-10-27.
• /au/finance/credit-cards/v1/brands/people-first-and-heritage-bank.json: this issuer's cards as JSON; People First Bank / Heritage Bank's page lists them.
• The bank last updated this record on 2026-06-04; the dataset's data is as of 2026-11-12. Rates are per annum as the issuer states them; "stale" means the bank has not updated the record for over 180 days.

Other cards at People First Bank / Heritage Bank

• Visa Credit Card credit card, 12.95%, $59 a year
• Unsecured Business Visa Credit Card credit card, 12.95%, $45 a year