Heritage Bank Gold Low Rate Credit Card
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CardIQ
Strong
Overall score, out of 100 · How this works
- Balance transfer71
- First timer73
- Low rate77
- No annual fee63
Customer reviews
Based on 1 review
I have been with Heritage for years. However the lack of ATMs is horrible. Fees are expensive and there are no rewards offered for loyal customers.Service provided is good and they were quick to call me when they saw I purchased something overseas. This is one of the only…
Pros & cons
What's good
- 12 months at 0% p.a. on balance transfers, longer than the 12-month median (no transfer fee, reverts to 11.8% p.a.).
- The 11.8% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
- No annual fee.
Worth noting
- 3% foreign transaction fee on overseas spending.
- Earns no rewards points on spending.
- Up to 0 interest-free days on purchases (below the 55-day median).
Card details
The basics
- Additional cardholder fee
- $8 p.a.
- Card tier
- Gold
- Card type
- Visa
- Card use
- Personal
- Credit limit
- $1,000 – $75,000
- Credit rating
- Good
- Rewards program
- None
Eligibility
- Instant approval
- No
- Joint application
- Yes
- Membership
- Not yet verified
- Minimum age
- 18 years old
- Minimum income
- Not specified
- Residency
- Australian citizen or permanent resident
- Temporary residents
- Not eligible
Rates & fees
Ongoing interest rates
- Cash advances
- 11.80% p.a.
- Purchases
- 11.80% p.a.
Fees
- Additional cardholder fee
- $8
- Annual fee
- No annual fee
- Cash advance fee
- 2% of the amount
- Foreign transaction fee
- 3%
- Late payment fee
- $20
Repayments
- Interest-free period
- Up to 0 days on purchases
- Minimum repayment
- 3% of the closing balance or $30, whichever is greater
Balance transfers
- Can't transfer from
- Heritage Bank, People First Bank
- Limit
- Up to your available credit limit
- Period
- 12 months
- Promotional rate
- 0% p.a.
- Revert rate
- 11.80% p.a.
- Transfer fee
- 0%
While you carry a transferred balance you may not receive interest-free days on new purchases.
Introductory purchase offer
This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.
Rewards
This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.
Where this card sits vs similar cards
Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
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- Heritage Bank Gold Low Rate Credit CardvsBank of Melbourne Vertigo Card
Browse by card type
Compare the Heritage Bank Gold Low Rate Credit Card against every other card in its category.
Questions and answers
No questions yet. Ask the first one about Heritage Bank Gold Low Rate Credit Card.
Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Heritage Bank