Heritage Bank Gold Low Rate Credit Card

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.

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.

0% p.a.

Balance transfer rate

for 12 months

10.8% p.a.

Purchase rate

$0 p.a.

Annual fee

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Product NameHeritage Bank Gold Low Rate Credit Card
Balance transfer rate0% p.a. for 12 months
Balance transfer revert rateCash Advance Rate (10.8% p.a.)
Balance transfer limit95% of available limit
Purchase rate10.8% p.a.
Annual fee$0
Interest-free period
Cash advance rate10.8% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • 0% p.a. for 12 months on balance transfers
  • $0 annual fee
  • Low interest rate of 10.8% p.a. on purchases and cash advances
  • Access to Visa Offers and Perks


  • No interest-free days on purchases
  • Charges a 3% foreign transaction fee
Bonus pointsN/A
Annual fee$0
Minimum monthly repayment3% of the closing balance or $30, whichever is greater
Late payment fee$20
Foreign currency conversion fee3%
Cash advance fee2% or $2.50, whichever is greater
Additional cardholder fee$7.50

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Heritage Bank Gold Low Rate credit card combines a competitive interest rate with a $0 annual fee for life. If you have credit card debt you want to pay off, the 0% balance transfer offer gives you a way to save on interest charges for the first 12 months. After that, the card’s 10.8% p.a. variable cash advance rate applies to any remaining debt.

How 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.

Card benefits

  • No annual fee. The Heritage Bank Gold Low Rate credit card has a $0 annual fee for life, which is very competitive when compared to other low rate cards.
  • 0% p.a. for 12 months on balance transfers. Apply for the Heritage Bank Gold Low Rate and request a balance transfer at the time of your application to take advantage of this offer. At the end of the introductory period, any remaining balance transfer debt will be charged interest at the variable cash advance rate, currently 10.8% p.a.

Rates & fees

  • Interest rate. The 10.8% interest rate on this card is competitive with those offered on other low rate cards.
  • Cash advances. If you use this card to withdraw cash, a fee worth 2% of the withdrawal amount (minimum fee of $2.50) applies.

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    Default Gravatar
    August 20, 2016

    Hi ,, my wife and i both hold nab credit cards but different accounts ,, id like to move to heritage and consolidate both of our debt onto the one card , is there a way i can do this cheers

      Avatarfinder Customer Care
      August 31, 2016

      Hi Greg,

      Thank you for your inquiry.

      In order to conduct a balance transfer from your NAB cards to Heritage Gold Low Rate Credit Card, you’ll need to apply for this card and get approved. Make sure you read the criteria and requirements before applying. Please also note that you can only transfer a total amount up to 95% of the available credit limit of the Heritage Gold Low Rate card.


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