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- Gold Low Rate
Heritage Bank Gold Low Rate
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
- No annual fee
Balance Transfer
0% on Balance Transfers for 12 months
Purchase rate p.a.
11.80%
Balance transfer rate
0%
Annual fee
$0
Heritage Bank Gold Low Rate
- Balance Transfer
- Apple, Google & Samsung Pay
- Balance transfer
- No annual fee
Purchase rate p.a.
11.80%
Balance transfer rate
0%
Annual fee
$0
RateCity says
"For cardholders who like to keep costs down, this low rate, low fee credit card may do just that. "
Pros and Cons
For Heritage Bank 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
0
Minimum monthly repayment
3% or $30
Minimum credit limit
$1,000
Maximum credit limit
$0
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
Apple pay available
Google pay available
Samsung pay available
Important Rates
Rates
Purchase rate p.a.
11.80%
Cash advance rate
11.8%
Cash advance fee
2% or $2.5
Balance Transfer
Balance transfer rate
0%
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
