First Hawaiian Bank is one of the most recognized banks of Hawaii. It is a part of the First Hawaiian Bank Wealth Management Group that provides financial services and products through this bank as well as its several subsidiaries and affiliates. The First Hawaiian Bank is in existence for more than 155 years and is the most dynamic institution of the Hawaiian state for its banking, community support, and customer service.
This popular bank has now come out with one of its other personal credit cards, referred to as the First Hawaiian Bank Heritage Credit Card. It offers a range of perks and benefits. Let us have a look at some of its features.
Features of the First Hawaiian Bank Heritage Credit Card
- Save more with a low introductory rate
- Transfer your high interest rate balances to simplify your finances and save your money
- Free access to its FHB online banking system
- Travel accident insurance worth $100,000
- Rental insurance for secondary car collision
- Get a color photo I.D.
- 24-hour customer service
- No annual for personal cards; $50 annual charge for Private Banking Platinum cards
The First Hawaiian Bank Heritage Credit Card is a basic card that is perfect for all those people who are just the beginners in the credit game or for people who want to combine high interest rate balances. Through this card, you can save your money that you pay as interest, as it comes with a low introductory rate. You can even transfer your high interest rate balances, in order to simplify your finances and save your money.
The First Hawaiian Bank Heritage Credit Card offers free access to its FHB online banking system, so that you can easily and efficiently manage your finances. Through this, you can also keep a track on how much you spend and pay your credit balance throughout a calendar month. Apart from this, cardholders get a travel accident insurance worth $100,000, along with rental insurance for secondary car collision.
Card members of the First Hawaiian Bank Heritage Credit Card get a colored photo identity card. They can avail the customer service 24 hours a day. For all these benefits, there is no annual fee on these personal cards, although there is a $50 annual charge for Private Banking Platinum cards. The APR or Annual Percentage Rate for the initial eight billing cycles after your account opening is 2.99 per cent. Subsequently, the APR is raised to 11.24 per cent for Private Banking Platinum cards and 16.24 per cent for personal cards. These interest rates are variable depending to the U.S. Prime Rate.
Furthermore, the First Hawaiian Bank Heritage Credit Card has a minimum interest charge of $1, with a late payment fee of up to $35. It charges a foreign transaction fee of 2.5 per cent on the U.S. dollar purchase amount or cash advance in a foreign currency.