Gold Low Rate Credit Card

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

Features

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
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 ^
Access to Visa Offers + Perks
Online shopping secured with Visa

Rates

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Interest Rate

11.30%

Interest Rate

11.30%

Rates Effective From 15/10/2019

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Fees

Annual Fee	0
Annual Fee Waiver (Visa Purchase)	Nil

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

Or call 13 14 22 to speak to an expert