Important disclosure
Heritage Bank Gold Low Rate
Balance Transfer
0% on Balance Transfers for 12 monthsPurchase Rate
Purchase Rate
11.80%
p.a
Balance Transfer Rate
Balance Transfer Rate
0%
p.a
for up to 12 months, then 11.8%
RateCity Says
“For cardholders who like to keep costs down, this low rate, low fee credit card may do just that. ”
Purchase Rate
11.80%
p.a
Balance Transfer Rate
0%
p.a
for up to 12 months, then 11.8%
Annual Fee
$0
Pros and cons
For Gold Low Rate
Benefits
- Ongoing variable purchase rate ranked in the best 20%
- No Annual Fee
- Apple Pay, Google Pay and Samsung Pay available
- Free supplementary cards
Drawbacks
- No reward program
Heritage Bank Rate Credit card overview
For Gold Low Rate
Details
Card Level Gold | Card Type Visa |
Interest Free Days Interest Free Days | Minimum monthly repayment 3% or $30 |
Minimum credit limit $1k | Maximum credit limit No set max |
Free supplementary cards | Instant Approval |
Target Market Determination Visit Heritage Bank, a trading name of Heritage and People’s Choice Limited to view Target Market Determination. |
Fees
Annual Fee Annual Fee $0 | Annual Fee Spend Waiver |
Supplementary card annual fee $0 | Late Payment Fee $20 |
Over limit fee $0 | Duplicate statement fee $7.5 |
Electronic Wallet Service
Important Rates
Rates
Purchase Rate Purchase Rate 11.80% p.a |
Cash advance rate 11.8% p.a |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate Balance Transfer Rate 0% p.a for up to 12 months, then 11.8% |
Transfer Limit No set max |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
Overseas charges Overseas charges $5 |
Estimated ATM Cost $14 for AU $300 withdrawal |
Rewards
Program name |
Rewards Available |
Eligibility
Minimum age |
Minimum income |
Eligibility conditions |
Residency |
Perks
- FREE SUPPLEMENTARY CARDS
- Balance Transfer 0% on Balance Transfers for 12 months
How to apply
If you'd like to apply for this product or just get more information, follow the application process on Heritage Bank.
