Heritage - Gold Low Rate Credit Card
The Heritage Gold Low Rate Credit Card has an interest rate of 11.80% p.a. on purchases. It has a yearly fee of $0 and a minimum credit limit of $1,000. For new cardholders, there is an introductory offer of 0% p.a. interest on balance transfers for the first 12 months. The balance transfer rate will revert to 11.80% p.a. after this period.
An introductory rate of 0% p.a. on balance transfers for 12 months.
Annual Fee
$0 per year
Cash Advance Rate
11.80% p.a.
Balance Transfer
0% for 12 months reverts to 11.80% p.a.
No interest free days apply to retail purchases while you have a Balance Transfer
No interest free days apply to retail purchases while you have a Balance Transfer
Purchase Rate
11.80% p.a.
Details
Card Type
Visa
Minimum Repayment
3% or $30
per statement, whichever is greater
Minimum Credit Limit
$1,000
Fees
Annual Fee
$0
per year
Late Payment Fee
$20
per statement
Rates
Purchase Rate
11.80% p.a.
Cash Advance Rate
11.80% p.a.
Balance Transfer
Balance Transfer
0% for 12 months
reverts to 11.80% p.a.
No interest free days apply to retail purchases while you have a Balance Transfer
No interest free days apply to retail purchases while you have a Balance Transfer
Balance Transfer Limit
95%
per limit of credit limit
Transfer Interest Free Days
No
Overseas Spending
Foreign Currency Conversion Fee
3%
per transaction
Overseas ATM Withdrawal Fee
$5
per transaction
Perks
Complimentary Travel Insurance
No
Airport Lounge Access
No
Who is the product designed for?
The following objectives needs and financial situation describes consumers in the target market :
Objectives & Needs
- A person who may seek a credit card facility for personal purposes with no annual fee and a low interest rate in comparison to other credit cards, without access to a rewards program, complimentary insurance or other benefits.
Financial Situation
- A person that will have access to funds to pay fees, interest and repayments as and when such amounts become payable and due
Visit Heritage to view Target Market Determination Effective From: 2023-03-01.
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