Gold Low Rate Credit Card 

An ongoing low variable interest rate, plus lots of features, makes this one of our most popular credit cards.


  • No annual fee
  • Credit limits from $1,000 
  • No interest free days to suit those who carry over a balance *
  • Monthly repayments at 3% of balance or $30, whichever is greater †
  • You can use Visa payWave for purchases under $100 at participating retailers
  • Access to Visa Entertainment and Verified by Visa
  • Wide range of payment options including BPAY, automatic credit card payments, internet banking transfers, and over-the-counter at your local branch  
  • Balance enquiries and cash advances at Heritage ATMs
  • Shop with confidence with Visa's Zero Liability policy ^

Bank Of The Year for Customer Satisfaction

Heritage has been awarded Roy Morgan's 2018 Bank Of The Year for Customer Satisfaction. Just another way we're putting People first.

Interest Rate
Gold Low Rate - Purchases
Gold Low Rate - Cash Advances
Interest Rate
Interest Rate
Rates Effective From 06/03/2019
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View all features and rates of the credit cards we offer.


Annual Fee 0
Annual Fee Waiver (Visa Purchase) Nil

2018 Roy Morgan Bank of the Year for Customer Satisfaction

Heritage is proud to be awarded 2018 Bank of the Year for Customer Satisfaction and we want to share the love! 

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