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
  • 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
Interest Rate
Gold Low Rate - Purchases
Gold Low Rate - Cash Advances
Interest Rate
Interest Rate
Rates Effective From 01/04/2020
Compare all Credit Cards

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


Annual Fee 0
Annual Fee Waiver (Visa Purchase) Nil
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