Visa Gold Low Rate Credit Card 

Our Visa Gold Credit Card features a low rate, balance transfer, $0 annual fee, plus lots of features, making this one of our most popular credit cards.


Important notice regarding Credit Cards

From 16 September 2026 we will no longer be offering for sale new Credit Cards. For any enquiries or changes to an existing Credit Card contact us by calling 13 14 22 or visit your nearest branch.

Features

  • $0 annual fee
  • Visa Gold Credit Card limits from $1,000 
  • No interest free days to suit those who carry over a balance~
  • 0% interest on balance transfers for 12 months*
  • Monthly repayments at 3% of balance or $30, whichever is greater‡
  • Set up your digital wallet to make secure payments on the go
  • Access to Visa Offers + Perks 

More features

  • Cancel or lock your cards and block selected transaction types in our Mobile Banking App
  • Shop with confidence with Visa's Zero Liability policy^
  • Online shopping secured with Visa
  • Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers, and at your local branch  
  • Balance enquiries and cash advances at Heritage ATMs
Rates

Interest Rate
Gold Low Rate - Purchases
Gold Low Rate - Cash Advances

Gold Low Rate - Purchases

Interest Rate
11.80%

Gold Low Rate - Cash Advances

Interest Rate
11.80%
Rates Effective From 04/04/2023
Fees

Annual Fee $0
Annual Fee Waiver (Visa Purchase) Nil
Credit Card Key Facts Sheet (PDF)
Balance Transfer Calculator
Research tools
Guides Calculators Visa Features
Compare credit cards
Key Facts Sheet (PDF)
Balance Transfer Calculator
Expense Planner
Personal loan calculator
Visa Secure
Visa Offers + Perks
Visa payWave

We're here to help

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with card management, how to repay your credit card and lots more.  Tap here for assistance.