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.
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.
Or if you're ready to get blast some old credit card debt, you'll be able to take advantage of the 12 month 0% balance transfer offer!
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.
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.
10.80% p.a.
none
0% p.a. for 12 months and then 10.80% p.a.
yes
10.80% p.a.
0
$0.00
none
none
none
$20.00
2%, Min $2.50
3.00%
$7.50
$12.00
$0.00
$30.00
3.0
2
$7.50 per card for the 3rd and subsequent supplementary cards.
Apple Pay, Google Pay, Samsung Pay
Best bank ever tried. Reasonable rates. No costs, excellent returns on Visa.
Read full reviewBest bank ever tried. Reasonable rates. No costs, excellent returns on Visa.
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 reviewI 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.
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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0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
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American Express
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100,000
1.25 points uncapped
NAB
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110,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
American Express
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$0
No current offer
0.75 points uncapped
NAB
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$250
30,000
0.66 points up to $3,000/month, then
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American Express
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0.75 points uncapped
Bankwest
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$160
30,000
0.75 points up to $2,500/month, then
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$200 $99 in the first year
60,000
0.5 points uncapped
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11.99% p.a.
$45
Bankwest
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0% p.a. for 26 months and then 10.99% p.a. (2.00% balance transfer fee)
10.99% p.a.
$49 $0 in the first year
Westpac
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0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
13.74% p.a.
$59
Citi
Rewards Credit Card
0% p.a. for 30 months and then 22.24% p.a.
21.49% p.a.
$149 $49 in the first year
Citi Rewards Program
NAB
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0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
12.99% p.a.
$59
Bendigo Bank
Low Rate Credit Card
11.99% p.a.
0% p.a. for 18 months and then 11.99% p.a. (2.00% balance transfer fee)
$45
Defence Bank
Foundation Credit Card
3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
$45
NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
Westpac
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13.74% p.a.
0% p.a. for 24 months and then 21.49% p.a. (1.00% balance transfer fee)
$59
NAB
Low Rate Card
12.99% p.a.
0% p.a. for 20 months and then 21.74% p.a. (2.00% balance transfer fee)
$59
Citi
Simplicity Credit Card
0% p.a. for 6 months then 21.49% p.a.
0% p.a. for 6 months and then 22.24% p.a.
$0
Defence Bank
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3.99% p.a. for 6 months then 8.99% p.a.
3.99% p.a. for 6 months and then 8.99% p.a.
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NAB
StraightUp Card
0% p.a.
No current offer
$120 $10/month - waived if no spend & no balance owing
