Compare the Best Credit Cards In 60 Seconds

Credit Cards

Go to site

Heritage Bank

0% interest rate on balance transfers for 12 months and $0 annual fee

Heritage Bank Gold Low Rate

Balance transfer

0% for 12 months

Purchase rate

11.8%

Annual fee

$0 per year

Save with a 0% interest rate on balance transfers for 12 months and pay no annual fee ever with the Heritage Bank Gold Low Rate credit card.

Highlights

When you apply and get approved for the Heritage Bank Gold Low Rate card, you will get 0% p.a. for the first 12 months on balance transfers that you request as part of your application. You can also save on credit card costs with a $0 annual fee for life.

This Visa credit card also offers the same interest rate for purchases and cash advances, which is 11.8%. You can also make mobile payments by adding the Heritage Bank Gold Low Rate card to your Google Pay or Samsung Pay account.

Main features

Rate type

Rate %

Duration

Purchases

11.8% p.a.

Fees

Fee type	Fee %	Min fee $
Cash advances	2%	$2.5

Fixed Fees

Fixed fees	Fee $	Fee amount
Annual fee	$0	per year
Monthly fee	-	-

More information

The Heritage Bank Gold Low Rate card has the following features:

$0 annual fee
Visa Gold Credit Card limits from $1,000
No interest free days to suit those who carry over a balance
0% interest on balance transfers for 12 months
Monthly repayments at 3% of balance or $30, whichever is greater
Set up your digital wallet to make secure payments on the go
Access to Visa Offers + Perks
Online shopping secured with Visa

Terms & conditions

Balance transfer requests are processed for approved applicants only and conditions, fees and charges apply.

All loans and credit cards are subject to application and approval. Conditions, criteria and fees apply.

Compare Club Australia Pty Ltd (CCA) is a corporate authorised representative (AFS Representative number 001279036) of Alternative Media Pty Ltd (AFS License number 486326). CCA is a credit rep (Credit Representative Number 519886) of Alternative Media Pty Ltd (ACL Number 486326). The financial products compared on this website do not necessarily compare all features and products in the market that may be relevant to you.

Comparisons are made on the basis of price only and different products may have different features and different levels of coverage. Not all products are available to all customers. Information found on the Compare Club website is for general purposes only. Before using our website, you must review our Terms of Use, the Privacy Policy, Financial Services Guide (Life Insurance Products), Financial Services Guide (General Insurance) and Credit Guide (Home Loans).

Compare Club acknowledges the traditional owners of the lands on which we work. We pay our respect to Elders past, present and emerging, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.

While we endeavour to provide information that is accurate and up to date, we make no warranties or representations about the accuracy, completeness, reliability or suitability of the information, graphics, products or services offered or contained on the website. Therefore, any reliance placed on the information provided on the CompareClub website is at the user's own risk. When reviewing offers from external websites or companies, please review their terms and conditions. We have no control over these companies, their offers, website content, products/services, or the availability and nature of their products/services. Links found on the CompareClub website do not necessarily imply an endorsement or recommendation of the information or views that are expressed by the external party.