Thumbnail icon for Heritage Bank

Heritage Bank Gold Low Rate

Purchase rate
10.80% p.a.
Balance transfer rate
No current offer
Annual fees
$0
Interest free days on purchases
0

Mozo editorial review Heritage Bank Gold Low Rate

Last updated: 1 April 2020.

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What's hot
  • Low 10.80% 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 offering a low 10.80% purchase and cash advance rate and 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.

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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 10.80% 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. 

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Who is it 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.


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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 20 September 2020 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
  • 10.80% p.a.

  • none

  • No current offer

  • yes

  • 10.80% 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

Apple Pay, Google Pay, Samsung Pay

Customer Reviews

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

Overall
8.1/10
Price
7.5/10
Features
7.0/10
Customer service
8.5/10
Convenience
8.2/10
Trust
8.3/10

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.

    Read full review

    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
    Less
    Barry, Queensland reviewed about 5 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 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.

    Read full review

    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
    Less
    Philippa, Queensland reviewed almost 7 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.

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