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.


  • $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
We will try to call you today or within the next 2 days.

Interest Rate
Gold Low Rate - Purchases
Gold Low Rate - Cash Advances
Interest Rate
Interest Rate
Rates Effective From 17/08/2022

Annual Fee $0
Annual Fee Waiver (Visa Purchase) Nil
Balance Transfer Calculator
Research tools
Compare credit cards
Key Facts Sheet (PDF)
Why use a credit card?
Balance Transfer Calculator
Expense Planner
Personal loan calculator
Visa Secure
Visa Offers + Perks
Visa payWave

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 live assistance.

Awards for Bank of the Year - Customer Service and Customer-Owned Institution of the Year