Heritage Bank Gold Low Rate

10.80% p.a.

No current offer

$0

n/a

Heritage Bank Gold Low Rate

10.80% p.a.

No current offer

$0

n/a

Mozo Review   Heritage Bank Gold Low Rate Review

Last updated: 1 April 2020.

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.

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. 

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 5 April 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

Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay

Customer Reviews

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

Overall customer rating
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 almost 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 over 6 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

16.99% p.a.

No current offer

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

Promoted

Heritage Bank

Heritage Bank

Platinum

16.99% p.a.

No current offer

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

Promoted

American Express

American Express

Qantas Ultimate Card

20.74% p.a.

No current offer

$450

Qantas Frequent Flyer

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

American Express

American Express

Qantas Discovery Card

20.74% p.a.

No current offer

$0

Qantas Frequent Flyer

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

ING

ING

Orange One Platinum Credit Card

16.99% p.a.

No current offer

$149

Cashback Rewards

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

American Express

American Express

Velocity Escape Card

20.74% p.a.

No current offer

$0

Velocity Frequent Flyer

Promoted

American Express

American Express

Qantas Ultimate Card

Qantas Frequent Flyer

$450

100,000

1.25 points uncapped

Promoted

CUA

CUA

Platinum Credit Card

Life Rich Rewards

$149 $0 in the first year

No current offer

1 point up to 100,000 points/year

Promoted

ING

ING

Orange One Platinum Credit Card

Cashback Rewards

$149

No current offer

1 point up to $3,000/month

Promoted

American Express

American Express

Qantas Discovery Card

Qantas Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

Heritage Bank

Heritage Bank

Platinum

Heritage Credits

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

No current offer

0.002 points uncapped

Promoted

American Express

American Express

Velocity Platinum Card

Velocity Frequent Flyer

$375

50,000

1.25 points uncapped

Promoted

American Express

American Express

Velocity Escape Card

Velocity Frequent Flyer

$0

No current offer

0.75 points uncapped

Promoted

American Express

American Express

Explorer Credit Card

Membership Rewards

$395

50,000

2 points uncapped

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Bankwest

Bankwest

Zero Platinum Mastercard

17.99% p.a.

2.99% p.a. for 9 months and then 17.99% p.a.

$0

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

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

Suncorp Rewards

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

Velocity Frequent Flyer

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

ING

ING

Orange One Credit Card

11.99% p.a.

No current offer

$0

Promoted

CUA

CUA

Low Rate Credit Card

11.99% p.a.

0% p.a. for 18 months and then 21.74% p.a.

$49 $0 in the first year

Promoted

Heritage Bank

Heritage Bank

Gold Low Rate

10.80% p.a.

No current offer

$0

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Mastercard

11.99% p.a.

0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)

$45

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bendigo Bank

Bendigo Bank

Low Rate Platinum Mastercard

11.99% p.a.

0% p.a. for 6 months and then 11.99% p.a.

$89

Promoted

Credit Union SA

Credit Union SA

Education Community Credit Card

0% p.a. for 6 months then 9.99% p.a.

0% p.a. for 6 months and then 9.99% p.a.

$0

Promoted

Credit Union SA

Credit Union SA

Visa Credit Card

10.49% p.a.

0% p.a. for 6 months and then 10.49% p.a.

$39

Promoted

Bank First

Bank First

Visa Classic Credit Card

0% p.a. for 6 months then 12.54% p.a.

0% p.a. for 6 months and then 12.54% p.a.

$0

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

St.George

St.George

Rainbow Platinum Vertigo

0% p.a. for 15 months then 12.99% p.a.

No current offer

$99 $49 in the first year