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
Interest Rate
Rates Effective From 06/11/2018
Compare all Credit Cards

View all features and rates of the credit cards we offer.


Annual Fee 0
Annual Fee Waiver (Visa Purchase) Nil
These articles may help you

We are here to help

Our specialists will help you find the right product and support you through every step of the purchase.

Enquire now

Or call 13 14 22 to speak to an expert