Heritage Gold Rewards Credit Card

Credit Card Deals

	Interest Rate p.a.	Balance transfer Rate p.a.
ANZ Low Rate	12.99% p.a.	0% p.a. for 9 months
Virgin Australia Velocity Flyer Card - Balance Transfer Offer	20.99% p.a.	0% p.a. for 8 months
HSBC Credit Card	17.99% p.a.	0% p.a. for 6 months

Review of the Heritage Gold Rewards Credit Card

As the Classic Rewards Credit Card program does, this one also comes with a trial period of 25 days of free interest. This means that you can spend as much as you want, regardless of the place where you shop, and you will never have to pay back more than you use for purchasing.

Furthermore, the introductory interest rate also applies to this type of account and is valid for the first 13 months of your contract. What is different, however, is that the credit limit is situated between $5,000 and can be extended to up to $50,000. However, this will also mean that you will have to pay more for this facility, but the amount is rather insignificant is your budget allows you to handle this amount for your credit.

Furthermore, you will have to repay 5% of your total balance or $30 every month, depending on which is greater and you will also be provided with the chance of linking your Visa Credit Card received after signing the contract to any other regular bank account and improve your overall shopping experience, since you will only have to carry a single card with you whenever you shop and make everything more comfortable for you.

What Are The Fees?

Some of the fees are different from the classic version of this program. This is because of the bigger number of advantages provided to gold customer. As a consequence, you will have to pay $90 p.a. for every year of your contract, except for the first one when you will not be required to pay anything because of the promotional offer.

Visa Exclusive Features

Because you will become a Visa credit card owner, you can be sure that you will have full access to your funds whenever you travel. This is because Visa is one of the most important names in the financial industry and therefore your card will be accepted in thousands of location spread all over the world. Furthermore, there will be a great number of retailers which will offer you significant discounts simply because of the fact that you are carrying a Visa card.

As a consequence, your overall shopping experience will see a significant increase after applying with Heritage and you will most definitely enjoy every single benefit provided to you by this amazing financial product made available by the famous company.

Furthermore, there is also the feature known under the name of Verified by Visa, which comes as additional security for you and your funds whenever you use your credit card online. Basically, you will be provided with the chance to set up an extra password. Therefore, if a criminal gets access to the details printed on your card he will have nothing to do with it, since you will be the only person to know the actual password you set for yourself.

As a consequence, online fraud will no longer be a problem for you, which is very important considering the fact that the number of cases is constantly increasing from month to month.

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Credit card offers:

HSBC Credit Card	Bankwest Zero Platinum Credit Card	Virgin Flyer Credit Card	ANZ Low Rate
0% p.a. for 6 months on balance transfers & no annual fee	0% p.a. for 9 months on balance transfers & platinum benefits	0% p.a. for 8 months on balances transfers & reward points	0% p.a. for 9 months on balance transfers & low rate

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Credit Cards Comparison

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			Interest rate (p.a.)	Balance transfer rate (p.a.)	Annual fee	Cash advance rate (p.a.)
	ANZ Low Rate	A low rate on purchases, balance transfer and a low annual fee.	12.99% p.a.	0% p.a. for 9 months	$58 p.a.	21.49% p.a.
	HSBC Credit Card	No annual fee for the life of the credit card. Plus a low balance transfer offer.	17.99% p.a.	0% p.a. for 6 months	$0 p.a.	21.99% p.a.
	Bankwest Zero Platinum MasterCard	Exclusive Offer to Credit Card Finder. No annual fee credit card with platinum benefits.	17.99% p.a.	0% p.a. for 9 months	$0 p.a.	21.99% p.a.
	Commonwealth Bank Low Rate Credit Card	A low interest rate offer on purchases and balance transfers.	0% p.a. for 5 months (reverts to 12.99% p.a.)	5.99% p.a. for 5 months	$78 p.a. ($48 for qualifying customers)	21.24% p.a.
	ANZ Platinum Credit Card	No annual fee for the first year and a balance transfer offer.	19.39% p.a.	0% p.a. for 9 months	$0 p.a. annual fee for the first year ($87 p.a. thereafter)	20.99% p.a.

* The credit card offers compared on this page are chosen from a range of credit cards CreditCardFinder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.