Gold Low Rate card image

Heritage Bank Gold Low Rate

Advertiser disclosure
Purchase rate
11.80% p.a.
Balance transfer rate
0% p.a. for 12 months and then 11.80% p.a.
Annual fees
$0
Interest free days on purchases
0

Mozo editorial review Heritage Bank Gold Low Rate - last updated: 17 August 2022

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What's hot
  • 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 offering a low 11.80% 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 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. 

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! 

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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 18 July 2024 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

0% p.a. for 12 months and then 11.80% p.a.

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

Apple Pay, Google Wallet, Samsung Pay

Customer Reviews

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

Overall
8.4/10
Price
7.5/10
Features
7.0/10
Customer service
8.5/10
Convenience
8.2/10
Trust
8.2/10
Based on 135 Heritage Bank credit card reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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