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Heritage Bank Gold Low Rate Credit Card

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Get a low interest rate of 10.8% and pay no annual fee ever with the Heritage Bank Gold Low Rate credit card.

This Visa credit card offers the same interest rate for purchases and cash advances. You can also make mobile payments by adding the Heritage Bank Gold Low Rate card to your Google Pay or Samsung Pay account.

10.8% p.a.

Purchase rate

$0 p.a.

Annual fee

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Product NameHeritage Bank Gold Low Rate Credit Card
Purchase rate10.8% p.a.
Annual fee$0
Cash advance rate10.8% p.a.
Min credit limit$1,000
Card typeVisa
Foreign currency conversion fee3%
Available to temporary residentsNo
Joint applicationNo


  • $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
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

Expert review

Amy Bradney-George

Review by

Amy Bradney-George is the acting editor for credit cards and has more than 13 years’ experience writing about personal finance. She has bylines in publications including The Sydney Morning Herald, ABC News and The Equity Magazine. A passionate writer, she’s also acting editor for Finder X and senior writer for Finder Green. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University, and when she’s not writing she spends her time as an actress.

Expert review

The Heritage Bank Gold Low Rate credit card combines a competitive interest rate with a $0 annual fee for life. As it doesn’t offer any interest-free days on purchases, it’s more suited to people who usually carry a balance from month-to-month.

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

  • Residency. You must be an Australian citizen or permanent resident.
  • Age. You must be at least 18 years old to apply.

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.
  • Same interest rate for all transactions. The low 10.8% interest rate on this card applies to both purchases and cash advance transactions, which could make it easier for you to calculate interest and budget for repayments.

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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  1. 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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