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 ^

Customer Satisfaction

It's a promise.

Heritage has won Mozo's 2018 People's Choice award for Outstanding 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 01/01/2019
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View all features and rates of the credit cards we offer.


Annual Fee 0
Annual Fee Waiver (Visa Purchase) Nil

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