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.

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 

More features

  • Cancel or lock your cards and block selected transaction types 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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Rates

Interest Rate
Gold Low Rate - Purchases
Gold Low Rate - Cash Advances

Gold Low Rate - Purchases

Interest Rate
11.80%

Gold Low Rate - Cash Advances

Interest Rate
11.80%
Rates Effective From 17/08/2022
Fees

Annual Fee $0
Annual Fee Waiver (Visa Purchase) Nil
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We're here to help

Our specialists are available to answer any of your questions, so you can choose the product that best suits your needs. They can also help with card management, how to repay your credit card and lots more.  Tap here for live assistance.