Important disclosure
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 | 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 $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 11.80% p.a |
Cash advance rate 11.8% |
Cash advance fee 2% or $2.5 |
Balance Transfer
Balance Transfer Rate 0% p.a |
Transfer Limit No set max |
Balance Transfer Fee |
Overseas spending
Foreign Exchange Fee 3% on Visa |
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
Specials
- Balance Transfer 0% on Balance Transfers for 12 months