Heritage Bank Gold Low Rate

11.80% p.a.

No current offer

$0

n/a

Heritage Bank Gold Low Rate

11.80% p.a.

No current offer

$0

n/a

Mozo Review   Heritage Bank Gold Low Rate Review

Last updated: 1 November 2018.

What's hot:
  • Mozo 2018 Experts Choice winner

  • Low 11.80% purchase rate

  • $0 annual fee

What's not:
  • No interest free days

Mozo snapshot:

The Heritage Bank Gold Low Rate Credit Card is one of Heritage Bank’s most popular cards - and not just because it won an Experts Choice Award for Balance Transfer Credit Card. This low rate card offers a 11.80% purchase and cash advance rate and comes with no annual fee. If you’re on the hunt for a low rate credit card, you may have just found a new addition to your wallet - the only catch is, there are no interest free days on offer.

Key features:

Being Australia’s largest member-owned bank, Heritage Bank has got your back when it comes to their low rate credit card. The Gold Low Rate Credit Card offers a 11.80% purchase and cash advance rate along with no annual fee. One thing you should keep in mind about this credit card is that there are no interest free days on offer. 

With the Heritage Bank Gold Low Rate Credit Card, you’ll receive a few special privileges, similar to a rewards card. Visa Entertainment is one of the programs you’ll have access to, where you can get your hands on tickets before they hit pre-sale and other hot offers involving travel or sporting events. You’ll also enjoy faster payments for items under $35, like your lunch or morning coffee, with Visa’s small ticket transaction service - a service designed to increase transaction speed and convenience for cardholders. 

Who it's good for:


The Heritage Bank Gold Low Rate Credit Card might be a good choice for spenders who know they’re going to wind up carrying a balance from month to month. For these spenders, the lack of interest free days won’t really matter, and the low interest rate will keep costs manageable. On the other hand, if you faithfully pay off your balance each month, you may be better off opting for a card where you can take advantage of interest free days.


Any catches?

As mentioned above, there are no interest free days with the Heritage Bank Gold Low Rate Credit Card. This means that you’ll automatically be charged interest for any purchases you make.



Details

Rates and fees information correct as at 16 June 2019. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.80% p.a.

  • none

  • No current offer

  • yes

  • 11.80% p.a.

  • 0

Fees
  • $0.00

  • none

  • none

  • none

  • $20.00

  • 2%, Min $2.50

  • 3.00%

  • $7.50

  • $12.00

  • $0.00

Features
  • $30.00

  • 3.0

  • 2

  • $7.50 per card for the 3rd and subsequent supplementary cards.

Payment options

Google Pay, PayID, Samsung Pay, Garmin Pay

Customer Reviews

How are Heritage Bank credit cards rated by the Mozo community?

Overall customer rating
8.0/10
Price
7.5/10
Features
6.9/10
Customer service
8.5/10
Convenience
8.2/10
Trust
8.2/10

Latest reviews of Heritage Bank Gold Low Rate

  • Overall
    10/10
    As above.

    Best bank ever tried. Reasonable rates. No costs, excellent returns on Visa.

    Best bank ever tried. Reasonable rates. No costs, excellent returns on Visa.

    Price
    10/10
    Features
    8/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Barry | Queensland

    reviewed almost 4 years ago

  • Overall
    8/10
    Personal service, respect and trust

    I have been with Heritage since I was a teenager, I have had home loans, personal loans, car...

    I have been with Heritage since I was a teenager, I have had home loans, personal loans, car finance, insurance, debit, savings and credit accounts and have never had any problems. My local bank manager and staff know my name and are happy to help me with any of my banking needs throughout the ups and downs of my financial life.

    Price
    8/10
    Features
    6/10
    Customer service
    8/10
    Convenience
    8/10
    Trust
    10/10

    Philippa | Queensland

    reviewed over 5 years ago

Heritage Bank

About Heritage Bank

Heritage is Australia's largest member-owned bank. With a history going back to 1875, Heritage helps Australians realise their financial dreams. Heritage focuses on putting people first, not pursuing massive profits. They offer customers a full range of competitive personal banking products from home loans, saving accounts, term deposits, credit cards and much more.

See Heritage Bank credit cards

Promoted

Heritage Bank

Heritage Bank

Classic

17.99% p.a.

No current offer

$55 $0 when you spend over $25,000 p.a

Promoted

Heritage Bank

Heritage Bank

Platinum

17.99% p.a.

No current offer

$125 $0 when you spend over $35,000 p.a

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

19.99% p.a.

$299 $199 in the first year

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

0% p.a. for 14 months and then 21.99% p.a.

19.99% p.a.

$49 $0 in the first year

Promoted

Citi

Citi

Platinum (Purchase Rate Offer)

0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)

0% p.a. for 13 months then 20.99% p.a.

$149 $49 in the first year

Promoted

ME

ME

frank Credit Card

No current offer

11.99% p.a.

$0

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

12.49% p.a.

$58

Promoted

28 Degrees

28 Degrees

Platinum Mastercard

No current offer

21.99% p.a.

$0

Promoted

Citi

Citi

Platinum (Bonus Points Offer)

0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)

20.99% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Platinum Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

20.74% p.a.

$375

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

1 point per dollar on Mastercard, up to $10,000 per month, then
0.5 points per dollar on Mastercard, uncapped

19.99% p.a.

$299 $199 in the first year

Promoted

Woolworths

Woolworths

Everyday Platinum Credit Card

1 point per dollar on Visa, uncapped

19.99% p.a.

$49 $0 in the first year

Promoted

Citi

Citi

Platinum (Purchase Rate Offer)

1 point per dollar on Visa, up to $10,000 per month

20.99% p.a.

$149 $49 in the first year

Promoted

American Express

American Express

Velocity Platinum Card

1.25 points per dollar on Amex, uncapped

20.74% p.a.

$375

Promoted

Qantas Money

Qantas Money

Qantas Premier Everyday

0.75 points per dollar on Mastercard, up to $3,000 per month, then
0.4 points per dollar on Mastercard, uncapped

19.99% p.a.

$49 $29 in the first year

Promoted

Suncorp

Suncorp

Clear Options Platinum

1.25 points per dollar on Visa, uncapped

20.74% p.a.

$129 $49 in the first year

Promoted

Citi

Citi

Prestige

1 point per dollar on Visa, uncapped

20.99% p.a.

$700

Promoted

Coles

Coles

Rewards Mastercard

2 points per dollar on Mastercard, uncapped

19.99% p.a.

$99

Promoted

Qantas Money

Qantas Money

Qantas Premier Platinum

0% p.a. for 18 months and then 21.99% p.a.

$299 $199 in the first year

19.99% p.a.

Promoted

ANZ

ANZ

Low Rate

0% p.a. for 15 months and then 21.74% p.a.

$58

12.49% p.a.

Promoted

Citi

Citi

Platinum (Balance Transfer Offer)

0% p.a. for 26 months and then 21.74% p.a. (1.50% balance transfer fee)

$199 $0 in the first year

20.99% p.a.

Promoted

American Express

American Express

Velocity Escape Card

0% p.a. for 12 months and then 20.74% p.a. (1.00% balance transfer fee)

$0

20.74% p.a.

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a

0% p.a. for 12 months then 19.99% p.a.

Promoted

Coles

Coles

Low Rate Mastercard

0% p.a. for 15 months and then 19.99% p.a.

$58

12.99% p.a.

Promoted

Citi

Citi

Signature

0% p.a. for 15 months and then 21.74% p.a. (1.00% balance transfer fee)

$395 $199 in the first year

20.99% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

0% p.a. for 14 months then 20.74% p.a.

Promoted

ANZ

ANZ

Low Rate

12.49% p.a.

$58

0% p.a. for 15 months and then 21.74% p.a.

Promoted

Citi

Citi

Clear Platinum

12.99% p.a.

$99 $0 in the first year

0% p.a. for 14 months and then 21.74% p.a.

Promoted

Coles

Coles

Low Rate Mastercard

12.99% p.a.

$58

0% p.a. for 15 months and then 19.99% p.a.

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

$49 $0 in the first year

0% p.a. for 13 months and then 21.74% p.a.

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

$129 $64 in the first year

0% p.a. for 6 months and then 20.99% p.a.

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

$59

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

$100

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

Promoted

Latitude

Latitude

Low Rate Mastercard

11.99% p.a.

$69

No current offer

Promoted

Citi

Citi

Platinum (Purchase Rate Offer)

0% p.a. for 13 months then 20.99% p.a.

0% p.a. for 13 months and then 21.74% p.a. (1.00% balance transfer fee)

$149 $49 in the first year

Promoted

Suncorp

Suncorp

Clear Options Platinum

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$129 $49 in the first year

Promoted

Virgin Money

Virgin Money

Virgin Australia Velocity Flyer Card - Purchase Rate Offer

0% p.a. for 14 months then 20.74% p.a.

0% p.a. for 6 months and then 20.99% p.a.

$129 $64 in the first year

Promoted

NAB

NAB

Low Rate Card

0% p.a. for 6 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$59

Promoted

NAB

NAB

Low Rate Platinum Card

0% p.a. for 15 months then 13.99% p.a.

0% p.a. for 6 months and then 21.74% p.a. (2.00% balance transfer fee)

$100

Promoted

HSBC

HSBC

Platinum Credit Card

0% p.a. for 12 months then 19.99% p.a.

0% p.a. for 12 months and then 21.99% p.a.

$129 Refunded when you spend over $6,000 p.a