In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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Heritage Bank Gold Low Rate Credit Card

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Heritage Bank Gold Low Rate Credit Card
Terms and conditions apply
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.

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 11.8% p.a. variable cash advance rate applies to any remaining debt.


  • 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
  • Access to Visa Offers and Perks


  • No interest-free days on purchases
  • Charges a 3% foreign transaction fee

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert

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.


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. 11.8%
Interest-free period
Cash advance rate p.a. 11.8%
Min credit limit $1,000
Card type Visa


Available to temporary residents No
Joint application No


Bonus points N/A


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% or $2.50, whichever is greater
Additional cardholder fee $7.50

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 11.8% p.a.

Rates & fees

  • Interest rate. The 11.8% 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.

Your reviews

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Jessica Kate Muller

October 05, 2023

I’m currently on the Disability Support Person and earn a little over 1300$ a fortnight. I want a credit card that has no annual income fee and can be used for cash advances please help me choose?


Amy Bradney-George Finder

October 08, 2023

Hi Jessica,

You can compare credit cards for people on Centrelink in Finder and learn more about the different payments that are accepted, as well as eligibility criteria.

Keep in mind that most credit cards charge a 2-3% fee for cash advances and have a separate cash advance interest rate. While this card has the same interest rate for purchases and cash advances, most cards charge a higher cash advance rate that can be up to around 30%. This is much higher than the rates offered on personal loans, as an example. There are also some no interest loans that may be available for essentials, depending on your circumstances. I hope this helps.

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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


May Finder

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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