Heritage Bank Cadeaubonnen Credit

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

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

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!