Heritage Bank Gift Card Balance

Home Loans, Credit Cards, and Term Deposits

Heritage Bank Limited is Australia''s largest mutual bank. Its head office is located in Toowoomba, Queensland. The bank has 60 branches in southern Queensland and New South Wales and sells home loans via a network of mortgage brokers in every state and territory in Australia. The bank''s customer contact centre is also based in Toowoomba, Queensland and operates 24 hours a day, 7 days a week. In 2019 it was named Bank of the Year in the Roy Morgan Customer Satisfaction Awards for 2018.
Heritage Bank offers award winning home loans, term deposits, credit cards, personal loans, banking accounts, and much more

The rate shown is for new 12 month term deposits for $1,000 or more for interest paid at maturity. Interest adjustments apply if withdrawn early.To calculate the difference in interest between different terms, use our. Let us help you understand if term deposits are worth it with this article and infographic. Whether it''s your first car, home, business or chicken, we''re proud to support your journey every step of the way. Our branch locator can help you find the closest Heritage Bank branch or ATM near you. If you make multiple deposits, we will use the highest value single deposit when determining the value of the gift card you receive. †.This material has been prepared without taking into account your objectives, financial situation or needs (''your circumstances''). Offer not valid for bridging loans, business loans, construction loans and existing customers switching loans, or internal refinances. Only one cashback per eligible loan and limited to one cashback per membership over a 12 month period.

Universal Gift Cards – Activate Your Gift Card

Activate your Mastercard or Visa gift card, view your card balance and check your transaction history with our user-friendly activation platform.

Heritage Bank Limited is Australia''s second largest mutual bank. Its head office is located in Toowoomba, Queensland. The bank has over 62 branches and mini-branches in southern Queensland and New South Wales and sells home loans via a network of mortgage brokers in every state and territory in Australia.

? Activate your gift card.
Your card must be activated by the date shown on the accompanying letter / email or it will be cancelled and the funds forfeited. To activate your card, please visit universalgiftcard.com.au and input your card proxy number, the 4-digit authentication code (stated on your letter) and 3-digit CVV number on the back of the card. Virtual Cards can be activated by clicking the ‘Activate Now’ tab in the second email you received when the Virtual Card was sent to you.
For security purposes, your card has a card proxy number that is required to activate your card and to view your card balance or transaction history. For plastic cards, your card proxy number is the PN number located on the back of your card. If you have a virtual (or eGift) gift card, you can find the proxy number by clicking on the link inside the email you received that contains your card. You will be directed to our site which will display your proxy number.
Only Reloadable or Chip cards require a PIN number to process transactions. To set the PIN number, go to universalgiftcard.com.au and enter your card proxy (PN) number, 4-digit authentication code (stated on your letter – this is not your PIN number) and you 3 digit CVV. Follow the prompts to set or change your PIN number.
By visiting universalgiftcard.com.au. You will need to enter your card proxy number, 4-digit authentication code on your letter (not your PIN number) and 3 digit CVV. Merchants cannot do a balance enquiry through their point-of-sale system.
Yes – by visiting universalgiftcard.com.au and entering your proxy number, authentication code on your letter (not your PIN number) and CVV number on the back of the card.
Each merchant has its own policy about accepting returned items. If a merchant does accept the return of goods purchased with a prepaid card, then the merchant can process a negative transaction so the spending power of the card is restored. However such credits are not immediate – please check your transaction history on universalgiftcard.com.au

Welcome to Universal Gift Card where you can:. ? Activate your gift card. ? View your card balance. you are responsible for checking your transaction history and should view your transaction history regularly throughout the validity of your card to check for unauthorised transactions.FAQs. The Corporate Prepaid Card carries a certain amount of spending power. Each time the card is used to make a purchase, the purchase amount is deducted from the card’s available balance. If your card is reloadable, its purchasing power can be topped up with more value. Your card must be activated by the date shown on the accompanying letter / email or it will be cancelled and the funds forfeited. and input your. card proxy number. Virtual Cards can be activated by clicking the ‘Activate Now’ tab in the second email you received when the Virtual Card was sent to you. For security purposes, your card has a card. that is required to activate your card and to view your card balance or transaction history. For plastic cards, your card proxy number is the PN number located on the back of your card. If you have a virtual (or eGift) gift card, you can find the proxy number by clicking on the link inside the email you received that contains your card. Important: we will never ask for your card number. You must not disclose your card number to any website or person except for the purpose of making a purchase. You are liable for any loss or unauthorised transactions on your card where you have disclosed your card number other than for the purpose of making a purchase. Once the card is activated, the funds will be available instantly. and enter your card proxy (PN) number, 4-digit authentication code (stated on your letter – this is not your PIN number) and you 3 digit CVV. Where can the card be used?. Are there any transaction types for which the card cannot be used?. The card cannot be used for mail or telephone orders nor for gambling transactions or other banned merchants. Can I use the card to get cash from an ATM?. Generally, cash withdrawals are charged at $2.00 per withdrawal, ATM initiated balance enquiries at $1 and declined transactions at $1 per transaction. Ensure the card is activated before use. What if the value of the purchase I want to make is greater than the value / balance on the card?. You will need to supplement the spending power on the card with cash or other payment method accepted by the merchant. What if the value of the purchase I want to make is less than the value / balance on the card?. Only the exact value of your purchase will be deducted from the balance on the card, so you can use the card for more purchases later. Why might a proposed transaction using my prepaid card be declined?. At the petrol station, it is better to pay at the counter after filling your tank, rather than using your card at the pump itself before filling up. How can I check the balance - the value left on the card?. You will need to enter your card proxy number, 4-digit authentication code on your letter (not your PIN number) and 3 digit CVV. Merchants cannot do a balance enquiry through their point-of-sale system. Can I see a list of purchase transactions made with the card?. Are there any fees for using the card or checking its balance or transactions?. The balance on the card is entirely for your use. If you use our card overseas, a foreign currency conversion fee of 3% of the transaction value will apply. Checking your card balance or transactions or for any other purpose via the website is free of charge. A phone call to report a lost or stolen card is free. Calls to the IVR (interactive voice recorded) computer will generally incur a $1.10 fee, and if you choose to talk to a human operator you will generally incur a fee of $4.40. If your card is reloadable, an account fee of $2 per month may be deducted from the card’s balance. If a merchant does accept the return of goods purchased with a prepaid card, then the merchant can process a negative transaction so the spending power of the card is restored. Does the card have an expiry date?. Reloadable cards show an expiry date 36 months after their date of issue, but active reloadable card. A new card will be sent to you automatically as each expiry date approaches. Please ensure your Profile on this website is up-to-date, so the new card is sent to the correct address!. What happens if there are still funds on the card when it expires?. After its expiry, or cancellation for non-activation, any balance will be forfeited, and the card will be declined when presented for use. If your card is reloadable and active, upon expiry any remaining balance is rolled over automatically to your new card. If a reloadable card has had no purchase transactions for twelve months, the card account will be closed and any remaining balance will be forfeited. No notice will be given of expiry or cancellation. Merchants are permitted to add a surcharge to recompense them for paying the Merchant Service Fee to their bank. What should I do if my card is lost or stolen?. For physical cards if the balance on the card exceeds $15 at the time you report its loss, you may order a replacement card which will be loaded with the balance of the lost / stolen card at the time its loss was reported, less an administration fee of $15. For virtual cards if the balance on the card exceeds $10 at the time you report its loss, you may order a replacement card which will be loaded with the balance of the lost / stolen card at the time its loss was reported, less an administration fee of $10.What are the terms and conditions of using these cards?. If your card is lost or stolen, you can report its loss so it can be disabled and replaced, unlike many store cards. We will not disclose your personal details to anyone except for the purpose of operating these prepaid card programs, or as required by law. Where is my Virtual Gift Card?. If you have been sent a Virtual Card and it has yet to arrive, please check your email junk folder. If you still cannot locate the Virtual Card email, please email us at. Why do you collect my personal information during card activation?. | Corporate Gift Cards.

Prezzee Smart eGift Card
We''ve partnered with Prezzee to deliver Heritage Bank Smart eGift Cards. Instead of receiving a gift card to spend at a specific retailer, Smart eGift Cards allow the recipient to choose where they want to spend the value of their card. There are plenty of Australian retailers to choose from.

If you''ve received a Heritage Bank Smart eGift Card, you''ll need to choose where you''d like to spend the money following these steps:

Step 1:
Check your inbox for your Heritage Bank Smart eGift Card

The email containing your Smart eGift Card will be sent from Prezzee on Heritage Bank’s behalf. Sometimes these emails get sent to your junk email, so make sure to check your junk folder if you haven''t received your card.

Step 2:
Open your Smart eGift Card by clicking the link in the email or scanning the QR code

A page will display which has your Heritage Bank Smart eGift Card. To use your Smart eGift Card, you''ll need to swap the amount for a retailer gift card of your choice. The Smart eGift Card expires 3 years after the date of issue.

Step 3:
Click ‘Swap it Now’

Step 4:
Select retailer gift card & value

Here you can select a retailer eGift card and the amount you would like to spend. Once the gift card and value has been selected, click ‘Add Card’.

TIP: You can swap your balance for gift cards from multiple retailers, so long as the total value redeemed does not exceed the Smart eGift Card value. For example, you can use a $75 Heritage Bank Smart eGift Card for a $25 Wish eGift Card and a $50 ebay eGift Card.

Step 5:
Confirm your selection

Please ensure you understand the conditions of the retailer’s gift card before confirming. When ready, select ‘Confirm Swap’ then click ‘View gift card’ in the following screen.

Step 6:
View retailer’s gift card

Click ‘View card’ next to the retailer to access the details and to use the gift card.

Here you have the option to:

View the retailer gift card number and barcode to spend online or in store;
Save your gift card to your digital wallet; or
Download and print your gift card.
Happy shopping!