{ "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "public_base_uri": "https://public.openbanking.peoplefirstbank.com.au", "logo_uri": "https://www.peoplefirstbank.com.au/pfb-logo", "status": "ok", "stale": false, "bank_last_updated": "2026-06-04T00:02:49Z", "at_a_glance": { "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.", "rates": [ {"segment":"personal","kind":"low_rate","rank":29,"of":52,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":12.95,"annual_fee":59,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":62,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":2.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false}, {"segment":"personal","kind":"balance_transfer","rank":20,"of":22,"product_label":"Visa Credit Card","card_type":"credit","purchase_rate_pct":12.95,"annual_fee":59,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":62,"min_credit_limit":1000.0,"max_credit_limit":null,"bt_promo_rate_pct":2.99,"bt_promo_months":6,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":false} ], "condition_sets": { "k1": [ "corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "2.99% on purchases for the first 6 months, then the purchase rate", "2.99% on balance transfers for 6 months", "Terms, conditions, fees, charges and lending criteria apply and are available on application", "$59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers", "up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full" ] }, "unranked": { "products": 2, "closed_to_new": 2 } }, "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category", "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.", "products": [ { "product_id": "baffe12c-ef7a-427c-bf70-fbd96dbd71f8", "product_name": "Secured Business Visa Credit Card", "product_label": "Secured Business Visa Credit Card", "product_slug": "secured-business-visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/secured-business-visa-credit-card/", "product_url": "https://www.heritage.com.au/banking/credit-cards/business-visa", "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards", "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "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.", "purchase_rate_pct": 10.65, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest rates are on a per annum basis.", "cash_advance_rate_pct": 10.65, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 40, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": 1.0, "balance_transfer": null, "rewards_program": "Heritage Credits is Heritage's loyalty program", "rewards_programs": [ "Heritage Credits is Heritage's loyalty program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [ "secured" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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" ], "eligibility": [], "ranked": false, "unranked_reason": "closed_to_new", "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/baffe12c-ef7a-427c-bf70-fbd96dbd71f8", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/baffe12c-ef7a-427c-bf70-fbd96dbd71f8.json", "snapshot_at": "2026-10-27T23:35:55Z", "bank_last_updated": "2026-06-04T00:02:49.939Z", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "ranked", "unranked_reason" ], "quotes": { "closed": { "text": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available", "citation": { "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "document_sha256": "6274a04544a9a0142fa9034f4451afae0365932dbeb4f13360efc6fdb0f1b1e5", "confirmed": "2026-11-12" } } }, "verified": { "closed": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [], "confirmed": "2026-11-12", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank." } ] }, { "product_id": "59c9ee22-c20e-4f97-bb8c-692b7fa4ad99", "product_name": "Unsecured Business Visa Credit Card", "product_label": "Unsecured Business Visa Credit Card", "product_slug": "unsecured-business-visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/unsecured-business-visa-credit-card/", "product_url": "https://www.heritage.com.au/banking/credit-cards/business-visa", "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards", "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "description": "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.", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "Interest rates are on a per annum basis.", "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 40, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": 1.0, "balance_transfer": null, "rewards_program": "Heritage Credits is Heritage's loyalty program", "rewards_programs": [ "Heritage Credits is Heritage's loyalty program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: no longer offered: Heritage Bank's page says \"credit cards are no longer available through Heritage Bank\", and People First Bank lists only a personal Visa", "no longer offered: Heritage Bank no longer offers credit cards" ], "eligibility": [], "ranked": false, "unranked_reason": "closed_to_new", "rankings": [], "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99.json", "snapshot_at": "2026-10-27T23:35:55Z", "bank_last_updated": "2026-06-04T00:02:48.231Z", "correction": { "checked": "2026-11-01", "note": "no longer offered: Heritage Bank's page says \"credit cards are no longer available through Heritage Bank\", and People First Bank lists only a personal Visa", "fields": [ "ranked", "unranked_reason" ], "quotes": { "closed": { "text": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available", "citation": { "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "document_sha256": "6274a04544a9a0142fa9034f4451afae0365932dbeb4f13360efc6fdb0f1b1e5", "confirmed": "2026-11-12" } } }, "verified": { "closed": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [], "confirmed": "2026-11-12", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank." } ] }, { "product_id": "ef54bfdb-5db3-4ce7-b678-25492785377a", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/visa-credit-card/", "product_url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "terms_url": "https://www.peoplefirstbank.com.au/brc-8-3-2", "fees_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "eligibility_url": "https://www.peoplefirstbank.com.au/brc-8-1-6", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "description": "The People's Choice Credit Union Visa Credit card offers you the flexibility of more interest free days than most other cards. You can use it for anything from day to day purchases to paying bills or even withdrawing cash.", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "purchase_rate_note": "The applicable variable interest rate will be determined by the information you provide and the assessment of your application. The interest rate will be confirmed in your loan contract.", "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": 2.99, "intro_purchase_months": 6, "interest_free_days": 62, "annual_fee": 59, "fee_period": "annual", "fee_as_stated": 59, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": null, "fee_offers": [], "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "balance_transfer": { "promo_rate_pct": 2.99, "promo_months": 6, "fee_pct": null, "revert_rate_pct": null, "revert_to": null, "for_new_cards": null, "for_existing_customers": null, "ongoing_rate_pct": null, "offers": [ { "rate_pct": 2.99, "months": 6, "fee_pct": null, "for_new_cards": null, "for_existing_customers": null, "text": "A low introductory rate of 2.99% p.a. for the first 6 months - available across all balance transfers, cash advances and purchases" } ] }, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "insurances": [], "digital_wallets": [ "The Pays" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "2.99% on purchases for the first 6 months, then the purchase rate", "2.99% on balance transfers for 6 months", "Terms, conditions, fees, charges and lending criteria apply and are available on application", "$59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers", "up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full" ], "eligibility": [ "Terms, conditions, fees, charges and lending criteria apply and are available on application" ], "ranked": true, "unranked_reason": null, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 29, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 20, "of": 22, "hidden_by_default": null } ], "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/ef54bfdb-5db3-4ce7-b678-25492785377a", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/ef54bfdb-5db3-4ce7-b678-25492785377a.json", "snapshot_at": "2026-10-27T23:35:55Z", "bank_last_updated": "2026-05-04T14:36:10.727Z", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-6-credit-card-key-facts-sheet.pdf", "correction": { "checked": "2026-11-01", "note": "a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days" ], "quotes": { "annual_fee": { "text": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Up%20to%2062%20days%20interest%20free", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "quote": "Annual Visa Credit Card Fee $59 per account" } ] } ], "rows": [ { "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "baffe12c-ef7a-427c-bf70-fbd96dbd71f8", "product_name": "Secured Business Visa Credit Card", "product_label": "Secured Business Visa Credit Card", "product_slug": "secured-business-visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/secured-business-visa-credit-card/", "product_url": "https://www.heritage.com.au/banking/credit-cards/business-visa", "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards", "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 10.65, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 10.65, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 40, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": 1.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Heritage Credits is Heritage's loyalty program", "rewards_programs": [ "Heritage Credits is Heritage's loyalty program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [ "secured" ], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "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" ], "ranked": false, "unranked_reason": "closed_to_new", "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/baffe12c-ef7a-427c-bf70-fbd96dbd71f8", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/baffe12c-ef7a-427c-bf70-fbd96dbd71f8.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-06-04T00:02:49.939Z", "correction": { "checked": "2026-11-01", "note": "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", "fields": [ "ranked", "unranked_reason" ], "quotes": { "closed": { "text": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available", "citation": { "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "document_sha256": "6274a04544a9a0142fa9034f4451afae0365932dbeb4f13360efc6fdb0f1b1e5", "confirmed": "2026-11-12" } } }, "verified": { "closed": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [], "confirmed": "2026-11-12", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank." } ], "rate_pct": 10.65, "rankings": [] }, { "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "59c9ee22-c20e-4f97-bb8c-692b7fa4ad99", "product_name": "Unsecured Business Visa Credit Card", "product_label": "Unsecured Business Visa Credit Card", "product_slug": "unsecured-business-visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/unsecured-business-visa-credit-card/", "product_url": "https://www.heritage.com.au/banking/credit-cards/business-visa", "terms_url": "https://www.heritage.com.au/inbound/brochures/guide-to-credit-cards", "fees_url": "https://www.heritage.com.au/inbound/brochures/fees-and-limits-guide", "eligibility_url": null, "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "business" ], "segment": "business", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": null, "intro_purchase_months": null, "interest_free_days": 40, "annual_fee": 45.0, "fee_period": "annual", "fee_as_stated": 45.0, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": "Annual fee", "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": 3.0, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": 1.0, "bt_promo_rate_pct": null, "bt_promo_months": null, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": "Heritage Credits is Heritage's loyalty program", "rewards_programs": [ "Heritage Credits is Heritage's loyalty program" ], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "Google Pay", "Samsung Pay", "Fitbit Pay", "Garmin Pay", "Apple Pay" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: no longer offered: Heritage Bank's page says \"credit cards are no longer available through Heritage Bank\", and People First Bank lists only a personal Visa", "no longer offered: Heritage Bank no longer offers credit cards" ], "ranked": false, "unranked_reason": "closed_to_new", "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/59c9ee22-c20e-4f97-bb8c-692b7fa4ad99.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-06-04T00:02:48.231Z", "correction": { "checked": "2026-11-01", "note": "no longer offered: Heritage Bank's page says \"credit cards are no longer available through Heritage Bank\", and People First Bank lists only a personal Visa", "fields": [ "ranked", "unranked_reason" ], "quotes": { "closed": { "text": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available", "citation": { "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank.", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "document_sha256": "6274a04544a9a0142fa9034f4451afae0365932dbeb4f13360efc6fdb0f1b1e5", "confirmed": "2026-11-12" } } }, "verified": { "closed": "found" } }, "from_issuer_page": [ { "source": "confirmation", "fields": [], "confirmed": "2026-11-12", "url": "https://www.heritage.com.au/product-no-longer-available#:~:text=We%E2%80%99ve%20recently%20updated%20our%20product,longer%20available%20through%20Heritage%20Bank.", "quote": "We’ve recently updated our product offering and credit cards are no longer available through Heritage Bank." } ], "rate_pct": 12.95, "rankings": [] }, { "brand": "People First and Heritage Bank", "brand_label": "People First Bank / Heritage Bank", "brand_slug": "people-first-and-heritage-bank", "legal_entity_abn": "11087651125", "product_id": "ef54bfdb-5db3-4ce7-b678-25492785377a", "product_name": "Visa Credit Card", "product_label": "Visa Credit Card", "product_slug": "visa-credit-card", "page": "/au/finance/credit-cards/cards/people-first-and-heritage-bank/visa-credit-card/", "product_url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "terms_url": "https://www.peoplefirstbank.com.au/brc-8-3-2", "fees_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-6-2-fees-and-charges.pdf", "eligibility_url": "https://www.peoplefirstbank.com.au/brc-8-1-6", "card_type": "credit", "scheme": "visa", "tier": null, "segments": [ "personal" ], "segment": "personal", "purchase_rate_pct": 12.95, "purchase_rate_is_base": null, "no_interest_card": null, "purchase_rate_range_pct": null, "cash_advance_rate_pct": 12.95, "intro_purchase_rate_pct": 2.99, "intro_purchase_months": 6, "interest_free_days": 62, "annual_fee": 59, "fee_period": "annual", "fee_as_stated": 59, "annual_fee_stated": true, "annual_fee_note": null, "fee_name": null, "first_year_fee_waived": false, "fee_waived_for_group": null, "foreign_transaction_fee_pct": null, "foreign_transaction_fee": null, "cash_advance_fee_pct": null, "cash_advance_fee": null, "late_payment_fee": null, "additional_cardholder_fee": null, "bt_promo_rate_pct": 2.99, "bt_promo_months": 6, "bt_fee_pct": null, "bt_revert_rate_pct": null, "bt_revert_to": null, "rewards_program": null, "rewards_programs": [], "rewards_program_fee": null, "bonus_offer": null, "cashback_offer": null, "digital_wallets": [ "The Pays" ], "instalment_plan": false, "additional_cards": null, "additional_cards_offered": null, "min_credit_limit": 1000.0, "max_credit_limit": null, "min_income": null, "min_age": 18, "restrictions": [], "who_can_open": { "restricted": false, "groups": [], "open_note": null }, "conditions": [ "corrected from the bank's own page: a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "2.99% on purchases for the first 6 months, then the purchase rate", "2.99% on balance transfers for 6 months", "Terms, conditions, fees, charges and lending criteria apply and are available on application", "$59 annual card fee (the feed files it as a transaction fee, so it is not published), waived for under-25s with an Activate account, home loan or line of credit holders and some relationship customers", "up to 62 interest-free days on purchases, only when both the previous and current statement balances are paid in full" ], "ranked": true, "unranked_reason": null, "source_kind": "feed", "record_stale": false, "source_url": "https://public.openbanking.peoplefirstbank.com.au/cds-au/v1/banking/products/ef54bfdb-5db3-4ce7-b678-25492785377a", "source_snapshot": "/au/finance/credit-cards/v1/source/people-first-and-heritage-bank/ef54bfdb-5db3-4ce7-b678-25492785377a.json", "snapshot_at": "2026-11-12T02:36:00Z", "bank_last_updated": "2026-05-04T14:36:10.727Z", "document_links_source": { "fees_url": "found by hand 2026-11-01: fees and charges", "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet" }, "key_facts_sheet_url": "https://www.peoplefirstbank.com.au/-/media/project/peoplefirst/pfbwebsite/medialibrary/files/general/brochures/brc-8-1-6-credit-card-key-facts-sheet.pdf", "correction": { "checked": "2026-11-01", "note": "a $59 annual fee and up to 62 interest-free days, per the bank's card page (\"Annual Visa Credit Card Fee $59 per account\"; \"Up to 62 days interest free\"); the feed carries both but files the fee as a transaction fee and the days as P2M1D, so neither was read", "fields": [ "annual_fee", "annual_fee_stated", "fee_as_stated", "fee_period", "interest_free_days" ], "quotes": { "annual_fee": { "text": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Annual Visa Credit Card Fee $59 per account", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } }, "interest_free": { "text": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card", "citation": { "quote": "Up to 62 days interest free", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Up%20to%2062%20days%20interest%20free", "document_sha256": "e54b5d686aaaf58afbdc1ea41b979aecea163d1178f4fa4a8fa625c45d916bda", "confirmed": "2026-11-12" } } }, "verified": { "annual_fee": "found", "interest_free": "found" } }, "from_issuer_page": [ { "source": "correction", "fields": [ "annual_fee", "interest_free_days" ], "confirmed": "2026-11-12", "url": "https://www.peoplefirstbank.com.au/loans/visa-credit-card#:~:text=Annual%20Visa%20Credit%20Card%20Fee%20%2459%20per%20account", "quote": "Annual Visa Credit Card Fee $59 per account" } ], "rate_pct": 12.95, "rankings": [ { "segment": "personal", "kind": "low_rate", "rank": 29, "of": 52, "hidden_by_default": null }, { "segment": "personal", "kind": "balance_transfer", "rank": 20, "of": 22, "hidden_by_default": null } ] } ], "licence_shared_with": [] }