Heritage Bank Gold Low Rate Credit Card

The Heritage Bank Gold Low Rate Credit Card offers 0% for 12 months on balance transfers. Ongoing benefits include no annual fee, and a low ongoing interest rate.


Updated 18 May 2022

Expert Review

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 10.80%, 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.

Product Details
Ongoing low varaible rate, plus lots of features, makes this one of our most popular credit cards."
- Heritage Bank
Rewards

No rewards program

Fees
Account Fees

$0 annual account fee

Additional Cardholder Fees

No additional cardholder fee

Up to 1 additional cardholder

Transaction Fees

3.00% international transaction fee

Other fees may apply.

Rates

10.80% p.a. purchase rate

10.80% p.a. cash advance rate

No interest free days on purchases

Offers
Balance Transfer Offer

0% for 12 monthson balance transfers, reverts to 10.80% p.a.

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TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Heritage Bank website.

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Stay or Go Pty Ltd (“Stay or Go”) provides information about and compares credit products in the Australian market and is authorised to do so as the holder of Australian Credit Licence 527092. We do not compare every credit product in the Australian market. We are not a credit provider and we do not provide credit assistance. When we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via our website, you are not applying with us, you are applying directly with the credit provider and will be redirected to their website. We endeavour to ensure that the information on this website is current and accurate however, before entering into any credit product with a credit provider displayed on our website, you should confirm the fees, rates, product information, and eligibility criteria with the credit provider and read the Target Market Determination (TMD) available via their website. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice. The use of any trade name or trademark on this website is for identification, comparison and reference purposes only and does not imply any association with the trademark holder or their brand. Please refer to our Terms of Use for more details.
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