Visa Gold Low Rate Credit Card 

Our Visa Gold Credit Card features a low rate, balance transfer, $0 annual fee, plus lots of features, making this one of our most popular credit cards.


  • $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
  • Visa Offers + Perks 

More features

  • Cancel or place a card on hold, block online, international in-store, or all card payments in our Mobile Banking App 
  • Shop with confidence with Visa's Zero Liability policy^
  • Online shopping secured with Visa
  • Wide range of payment options including BPAY®, automatic credit card payments, internet banking transfers, and at your local branch  
  • Balance enquiries and cash advances at Heritage ATMs
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Finalist Best No Annual Fee Credit Card 2021 Finder Awards

Interest Rate
Gold Low Rate - Purchases
Gold Low Rate - Cash Advances
Interest Rate
Interest Rate
Rates Effective From 04/08/2020

Annual Fee $0
Annual Fee Waiver (Visa Purchase) Nil
Balance Transfer Calculator

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