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.

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‡
  • Visa Offers + Perks 

More features

  • Cancel or place a card on hold, block online, international in-store, or all card payments 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
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Rates

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

Gold Low Rate - Purchases

Interest Rate
10.80%

Gold Low Rate - Cash Advances

Interest Rate
10.80%
Rates Effective From 04/08/2020
Fees

Annual Fee 0
Annual Fee Waiver (Visa Purchase) Nil
Credit Card Key Facts Sheet (PDF)
Balance Transfer Calculator

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

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How to avoid paying credit card interest and late fees

We are here to help

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

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