Gold Low Rate

Our Gold Low Rate is one of our most popular cards, with no annual fee and a low interest rate, but still lots of great features.

Compare Credit Cards

PlatinumClassicGold Low RateFreedom Visa
PlatinumClassicGold Low RateFreedom Visa
Introductory Rate (for the first 13 months period)8.95%8.95%n/a8.95%
Ongoing Rate after introductory period16.75%16.75%11.80%16.75%
FeaturesApply nowFind out moreApply nowFind out moreApply nowApply nowFind out more
Interest Free Daysup to 55 daysup to 55 days0up to 55 days
Annual Fee$125$55$0$18
Annual Fee Waiver (Visa Purchase)$35,000$25,000N/A$10,000
Monthly Repayment3% or $303% or $303% or $303% or $30
Minimum Credit Limit$6,000$1,000$1,000$500
Maximum Credit Limit$500,000$50,000$75,000$500
Rewards ProgramHeritage CreditsHeritage CreditsN/AN/A
For every whole $1000 spent per calendar month3 credits1 creditN/AN/A
Additional ServicesApply nowFind out moreApply nowFind out moreApply nowApply nowFind out more
Visa EntertainmentYesYesYesYes
Select your own PINYesYesYesYes
24/hr 7 day customer service access by phone or internetYesYesYesYes
Emergency card replacementYesYesYesYes
Visa Emergency Assistance accessYesYesYesYes
Emergency cash disbursementYes (up to $6,000)Yes (up to $1,000)Yes (up to $5,000)Yes (up to $500)
InsuranceYesNoNoNo
ConciergeYesNoNoNo

On Visa purchases only, if full payment of the account balance is received by the due date for payment. Interest on Low Rate product is charged from date transaction is debited.

Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts.

Image rules, terms and conditions and a fee apply

On Visa purchases only, if full payment of the account balance is received by the due date for payment. Interest on Low Rate product is charged from date transaction is debited.

Minimum repayment based on percentage of outstanding balance is 3% or $30.00 whichever is the greater, plus overlimit or past due amounts.

On Visa purchases only. Excludes cash advances, credit charges and government charges.

For further information refer to the Platinum Insurance page.

For information on concierge services, visit visapremium.com.au or call 1800 639 607.

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

To approved applicants only. Conditions, criteria and fees apply. Please consider the Guide to Heritage Credit Card Products (available in-branch, by phoning 13 14 22 or at www.heritage.com.au) before you decide whether this product is right for you.