Skip to Content, Menu, Homepage

Credit Cards Interest Rates

Loan TypeIntroductory Rate*Standard Variable Rate
Gold Low Raten/a11.80%
Freedom Visa8.95%16.75%

Rates effective from 01 September 2016 and subject to change without notice. All rates are calculated on a per annum (p.a.) basis.

* After introductory period (13 months), rate reverts to standard variable rate. Introductory rate available on new accounts only.

* 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 before you decide whether this product is right for you.