Skip to Content, Menu, Homepage

Home
personal
- Accounts
  Select from a wide range of Heritage accounts
  Transaction
  
  Simply Access
  Cash Management
  Money Manager
  Pension Plus
  Savings
  
  Online Saver
  Target Bonus
  Christmas Club
  Community Saver
  Specialist
  
  Club Cheque
  Body Corporate
  Farm Management
  Offset Accounts
  Compare Transaction accounts Compare Savings accounts Apply Now
- Home Loans
  Select from a wide range of Heritage award winning home loan products and packages.
  Fixed Rate
  Discount Variable
  Basic Variable
  Standard Variable
  Professional Package
  Reverse Mortgage
  Living Equity line of credit
  Bridging Loan
  Home Loan & Mortgage Comparison Pre-application Information
- Personal Loans
  Select from a wide range of Heritage personal loan products to suit your needs
  Standard Personal Loan
  Car Loans
  Low Rate Secured Loan
  Debt Consolidation
  Compare personal loans Apply Now
- Credit Cards
  Find the right Heritage credit card for you
  Rewards Cards
  
  Classic Rewards
  Gold Rewards
  Low Fee Cards
  
  Classic Basic
  Gold Basic
  No Fee / Low Rate Cards
  
  No Frills Classic
  No Frills Gold
  Specialist
  
  My First Credit Card
  Visa Debit Card
  Compare Credit Cards Create my own card Apply Now
- Financial Planning
  Learn about your financial planning options with Heritage.
  How can a Heritage Financial Planner help you?
  Learn More Contact a Financial Planner
- Term Deposits
  Our term deposits have a guranteed, fixed interest rate during the period of the term.
  Great 3 month rate
  Great 6 month rate
  Great 12 month rate
  Great 5 year rate
  Other term deposits
  Australian Government Guarantee
  Learn more Term Deposits Application
- Insurance
  Protect yourself and your assets with insurance from Heritage.
  Motor Vehicle Insurance
  Home & Contents
  Income Protection
  Life Insurance
  Travel
  Landlord
  Caravan and Trailer
  Learn more Get a quote
- International
  Travelling overseas? Heritage can arrange your international finance.
  Travellers Cheques
  Foreign Cash
  Cash Passport
  Drafts & Telegraphic Transfers
  Receiving Funds from Overseas
  Exchange Rates & Currency Converter
  Learn more
business
people-first

SIGN IN / REGISTER FOR

Personal Online Banking

Business Netbanking Online Share TradingRegister For

Online Banking Business Banking Share Trading SMS Services

Security Update

I'd Like To

Life Events

Quick Links

Create your own card

Personalise your card with Heritage’s unique Choose Your Own Card service.

Find out more

Visa Debit Card

For people who like the convenience of credit cards, but prefer to use their own money where EFTPOS isn’t available - over the phone, online or overseas.

Learn more

Verified By Visa

Get added assurance when shopping online. Verified by Visa is a service that lets you use a personal password with your Heritage Visa card.

Learn more

Security & Privacy

We take the ongoing trust that you place in us to protect your personal information very seriously.

Find out more

Print this page

No Frills Gold

With a low cost credit card interest rate, no frills but still lots of great features, this is one of our most popular cards.

Loan Type	Introductory Rate*	Standard Variable Rate
Visa Classic With Rewards (L50)	8.95%	16.75%
Visa Gold With Rewards (L51)	8.95%	16.75%
Visa Classic Basic No Rewards (L50)	8.95%	16.75%
Visa Gold Basic No Rewards (L51)	8.95%	16.75%
Visa Classic No Frills (L56)	N/A	11.80%
Visa Gold No Frills (L58)	N/A	11.80%
My First Credit Card (L50)	8.95%	16.75%

Rates effective from 01 December 2011 and subject to change without notice. All rates are calculated on a per annum (p.a.) basis.

^* After introductory period (13 months), rate reverts to standard variable rate. Introductory rate available on new accounts only.

Transaction

Savings

Specialist

Rewards Cards

Low Fee Cards

No Fee / Low Rate Cards