2024 Finder Awards Highly Commended for Low Cost Credit Cards

Heritage Bank has been recognised for low cost credit card features in the 2024 Finder Credit Card Awards.

Low Cost Credit Cards

21 February 2024

The Heritage Bank Gold Low Rate Visa Credit Card and Business Visa Credit Card have both been awarded Highly Commended in different categories of the 2024 Finder Credit Card Awards.

Finder has been running its awards programs since 2016 and the Finder Credit Card Awards are based on a robust methodology and analysis process, using 12 months of market data for every personal and business credit card in Finder’s database. In 2024, Finder’s experts analysed 270 cards from 82 banks and brands to determine the winners and finalists.

As one of Australia’s leading customer-owned banking institutions, Heritage Bank was again recognised for the value it offers people through low cost credit card features.

The Heritage Bank Gold Low Rate Visa Credit Card was Highly Commended in the Best No Annual Fee category for the second year in a row. 

It scored highly for its low 11.80% interest rate, which is 8.27 percentage points lower than the average standard credit card interest rate (currently 20.07% according to data from the Reserve Bank of Australia). This gives members another way to save, alongside the ongoing $0 annual fee.

A low rate was also one of the key features the Heritage Bank Business Visa Credit Card (unsecured) was recognised for – earning it Highly Commended in the Best Low Interest Business Credit Card category. 

It had strong scores for its competitive 12.95% purchase rate, $45 annual fee and up to 40 days interest-free, which are all features that can help business owners save on costs as they manage expenses. 

Like the Gold Low Rate Visa Credit Card, this is the second year in a row that the Business Visa Credit Card has been recognised in this category.

In total, the Finder Credit Card Awards covered 12 categories this year. With so many cards on the market, they are designed to give you a benchmark when you want to compare and find a new card.

Over 700,000  members bank with the recently merged Heritage and People’s Choice Credit Union – soon to be known as People First Bank.. If you’re a member of Heritage Bank already (or know you want a Heritage Bank credit card) you can also use the Fit My Card tool, which is designed to help you find a card that fits your needs.

About the Author

Amy Bradney-George has been writing about personal finance for more than 14 years – including over 7 years as the senior writer for credit cards at Finder. She is also the editorial lead for Finder Green, covering sustainability across different industries.

Her work has appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy also has a Bachelor of Arts in Journalism and Drama from Griffith University.

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