Heritage Bank Gold Low Rate Credit Card
The Heritage Bank Gold Low Rate Credit Card offers 0% p.a. for 12 months on balance transfers. Ongoing benefits include no annual fee, and a low ongoing interest rate.
Updated 8 May 2025
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As the name suggests, the Heritage Bank Gold Low Rate credit card is Heritage Bank's low interest rate product. This is also the only credit card Heritage Bank offers. Featuring a competitive Purchase interest rate of 11.80% p.a., which is Heritage Bank's lowest, and including up to 0 interest free days, this product is great for minimising interest and managing cash-flow, if you want flexibility with your monthly repayment. Of the 200+ credit cards reviewed by Stay or Go, this card ranks among the best 10% lowest purchase rates. Further, the product has no annual fee, which is Heritage Bank's lowest standard annual fee. As a result, this card is one of only a limited number that offer an ongoing $0 Annual Fee.
Considering its key features, this card is most suitable to someone who wants the peace of mind that if they do need to pay interest from time to time, the rate will be competitive. Other benefits include no additional cardholder fees.
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No rewards program
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$0 annual account fee
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No additional cardholder fee
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Up to 1 additional cardholder
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3.00% international transaction fee
Other fees may apply.
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11.80% p.a. variable purchase rate
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11.80% p.a. variable cash advance rate
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No interest free days on purchases
0% for 12 monthson balance transfers, reverts to 11.80% p.a.
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Before applying for this product, you should read the Target Market Determination (TMD) available here on the Heritage Bank website.