Heritage Gold Low Rate Credit Card
3.7
Highlights
- $0 p.a. annual fee.
- Enjoy low interest of 11.80% p.a. on purchases.
- Benefit from comparatively low cash advance rates at 11.80%, lower than the standard rate of many other cards.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Below Average, Fair, Good, Very Good, Excellent
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
2
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
N/A
Repayments
Interest Charged From
Purchase Date
Interest Free Period
Up to 0 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
0%
Balance Transfer Period
12 months
Balance Transfer Fee Percentage
0%
Balance transfer conditions
Balance Transfer From Personal Loan
No
Balance Transfer Limit Percentage
95%
Balance Transfer Revert Rate
11.8%
Rates, fees, charges
Cash advances
Cash Advance Rate
11.8% p.a.
Cash Advance Fee
$2.50
Cash Advance Fee Percentage
2%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
11.8% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
N/A
Duplicate Statement Fee
N/A
Foreign Exchange Fee Percentage
3%
Late Payment Fee
$20.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
Reviewed by Credit Card Compare Staff
History
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Helpful and honest, speedy approval
Reviewed by Ian
Sort of OK, but better deals available
Reviewed by Ryan
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