When you apply and get approved for the Heritage Bank Gold Low Rate card, you will get 0% p.a. for the first 12 months on balance transfers that you request as part of your application. You can also save on credit card costs with a $0 annual fee for life.
Heritage Bank Gold Low Rate Credit Card
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- Balance transfer rate for 12 months with no balance transfer fee
- 0% p.a.
- Purchase rate
- 11.8% p.a.
- Annual fee
- $0 p.a.
Our verdict
Save with a 0% interest rate on balance transfers for 12 months and pay no annual fee ever with the Heritage Bank Gold Low Rate credit card.
Pros
-
0% p.a. for 12 months on balance transfers
-
$0 annual fee
-
Low interest rate of 11.8% p.a. on purchases and cash advances
Cons
-
No interest-free days on purchases
-
Charges a 3% foreign transaction fee
Details
Product details
| Product Name | Heritage Bank Gold Low Rate Credit Card |
| Balance transfer rate p.a. | 0% for 12 months, then 11.8% |
| Balance transfer limit | 95% of available limit |
| Purchase rate p.a. | Purchase rate p.a.11.8% |
| Interest-free days | - |
| Cash advance rate p.a. | 11.8% |
| Min credit limit | $1,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | Yes |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | $0 |
| Minimum monthly repayment | 3% of the closing balance or $30, whichever is greater |
| Late payment fee | $20 |
| Foreign currency conversion fee | 3% |
| Cash advance fee | 2% of transaction value or $2.50, whichever is greater |
| Overseas ATM withdrawal fee | $5 |
| Additional cardholder fee | $7.50 |
Congratulations, Heritage Bank!
The Heritage Bank Gold Low Rate Credit Card was highly commended for Best No Annual Fee Credit Card in the 2025 Finder Awards.
Full list of 2025 winnersHow to apply
You can apply for the Heritage Bank Gold Low Rate credit card online by filling in a secure application form. Before you get started, make sure you meet the following eligibility criteria and have all the details you'll be asked for when you apply.
Eligibility criteria
- Balance transfer debt. If you want to take advantage of a balance transfer promotion, Heritage allows you to transfer from $200 up to 95% of your approved credit limit from up to 4 non-Heritage issued credit cards.
- Residency. You must be an Australian citizen or permanent resident.
Sources
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Amy Finder
Journalist
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Richard Whitten Finder
November 17, 2025
Hello,
Unlike most credit cards this one does charge interest on purchases immediately. It is charged daily.
Heritage Bank does not have any brnaches in Melbourne.
At Finder we can help you compared options but we can’t provide any information about your eligibility if you apply for a credit card with a specific provider. Retirees with a regular income via a pension can get approved for credit cards, although it is more difficult.
I’m sorry I can’t be more helpful.
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Archie mclean
August 07, 2025
Where are your branches in sydney
Richard Whitten Finder
August 12, 2025
Hi Archie,
Heritage Bank has branches in Castle Hill, Macquarie Park and Parramatta. You can find more details here.
Natakusuma
July 06, 2025
You have left the Rewards Program field Blank. So is that a Yes or a No?
Sarah Megginson Finder
July 07, 2025
Hello,
This card does give you access to Visa Offers + Perks, but it doesn’t have its own rewards program and it doesn’t earn points. Hope this helps!
James Harris
May 26, 2025
When I receive my monthly balance how long before it has to be paid
Richard Whitten Finder
May 28, 2025
Hi James,
This card has no interest free days. This means you get charged interest every day on purchases you make. Each month you will receive a monthly statement with a payment due date.
On that date, you have to repay at least the minimum amount.
Tanya
February 08, 2025
can i apply for this if I’m on Centrelink benefit
Sarah Megginson Finder
February 09, 2025
Hi Tanya,
We’re not licenced to give personal advice, but we can direct you towards this guide of credit cards for pensioners. You may also be eligible for a no interest loan worth up to $3,000 from Good Shepherd. Hope this helps!
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Heritage Bank Gold Low Rate Credit Card
November 15, 2025
don’t understand – if no interest free days, as you make a purchase or use credit card – do you have to pay for this purchase or use immediately. Can you wait to receive statement & Pay By Due Date without incurring interest???? I always pay my balances in FULL by Due Date. I am a self funded Retiree and have ample funds to pay off balance every month in full by DUE DATE.
Also, will I be granted this credit card if I have no income but get Pension from Super Fund monthly, which is more than sufficient for me to live and save
Do they have physical branches in Melbourne???
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