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All cards are discounted on all foreign payments for your travel needs — experience smooth, affordable, and secure international spending with Heritage Credit Union.
Whether you're shopping in Paris, booking a hotel in Dubai, dining in Singapore, or making an online purchase from a foreign merchant, your Heritage Credit Union card gives you discounted and optimized international usage. Designed for modern travelers and global shoppers, this benefit ensures that every international payment is protected, affordable, and easy to manage — no hidden surprises.
With rising international transaction fees and uncertain forex rates, most cardholders end up paying more than expected. Heritage Credit Union’s International Usage Advantage solves this by lowering costs, enhancing security, and giving you unmatched global acceptance. From reduced foreign transaction fees to stronger fraud prevention systems, you’re protected with every swipe, tap, or online payment worldwide.
In today's global economy, international transactions are becoming more common — not just for travel but also for e‑commerce. Many people pay international charges unknowingly, especially when placing orders on global marketplaces or subscribing to foreign apps. Heritage Credit Union ensures that you get maximum transparency, lower forex markups, and fully protected payments no matter where you are in the world.
Use your Heritage credit card in over 200+ countries and territories without any service limitations.
Pay less on every international payment with reduced forex markup charges.
Your card is safeguarded from unauthorized international transactions with 24/7 monitoring.
Book flights, hotels, car rentals, and attractions globally with smooth, secure transactions.
Shop on global websites and pay securely with discounted forex charges.
Every time you make a purchase outside your home country — either physically or online — the transaction is converted into your local currency. Heritage Credit Union ensures that this conversion is done with fair rates and transparent fees while keeping security at the highest level.
It is a benefit that allows you to use your credit card globally with discounted foreign transaction charges and high-level security.
Heritage offers discounted fees, making your international purchases more affordable than standard bank cards.
Yes — all international e‑commerce transactions are supported and secured.
You get instant SMS and app notifications for every global transaction to maintain full control.
Yes, your card is protected by multi‑layer fraud detection and global monitoring systems.
