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Interest Free Promotions^
What you want. How you want. Right now. 0% interest.
Why wait for the purchases you want? HSBC has the flexible payment options you're looking for, so you can get whatever you want right now. And if you are an existing HSBC cardholder, you can take advantage of 0% interest promotions at participating retailers with your existing HSBC credit card, so there is no need to re-apply. Otherwise you can apply and be approved in store for one of these two great options to complete your interest free purchase:
HSBC's Classic Credit Card
Finance the purchases you want today with HSBC's Classic Credit Card. It's a fast way to access the credit you need to buy what you want now! You can apply in store and be approved on the spot. More information on HSBC's Classic Credit Card.
HSBC's Personal Instalment Line
This is the ideal way to get what you want today and pay off your purchases quickly. And it's a great way to free up your credit card and cash for other things. Plus, we can approve your line on the spot.
Pay off each purchase over a time that suits you best, from one to four years, for amounts from $1,000 - $20,000.
A fixed interest rate applies for special promotion periods and agreed monthly instalment payments mean you always know what you have to budget for.
Where you can take advantage of HSBC's interest free^ promotions?
| Adriatic Furniture | Forty Winks | Rick Hart |
| Amber Tiles | Freedom Furniture (QLD only) | Rise and Shine |
| Babies Galore | House and Garden | SE Timber |
| Bang & Olufsen# | Impala Kitchens | Seconds World |
| BI RITE Electrical | JB Hi Fi | Sleep City |
| Bing Lee | Just Fitness | Sony Central (NSW, QLD and VIC only) |
| Captain Snooze (selected) | Le Cornu Furniture | Super A Mart |
| Clive Anthonys | Long Furniture | Sydney's Lounges |
| Clive Peeters | Lounges Plus | Warehouse Sales |
| E & S Trading | NAPF | Workout World |
| Easy Living | Natuzzi# | Video Pro |
| Everyday Living | The Outdoor Furniture Specialists (selected) | |
| Exercise Equipment Australia | Plush Leather | |
Frequently Asked Questions
How does interest-free^ work?
Interest free^ means you will not have to pay interest on the purchase amount financed during the promotional period (e.g. 6, 12, 24 months). You will be required to make minimum monthly payments on the principal amount of the purchase through the promotional period by the due date as shown on your monthly statement.
What does 'interest-free payment deferred^' mean?
As well as having the advantage of not being charged any interest for the specified promotional period, you also do not need to make any repayments on that specific promotion for the deferred period (e.g. 6 months).
If I don't pay out the total amount owing by the end of the promotional period, will the interest be backdated to the start of the promotion?
No, the cash advance rate will only be charged to the remaining promotional balance from the day after the promotion expires.
How often do I make repayments?
Repayments are monthly except for purchases made in any payment deferred promotion periods. Repayments for these purchases will commence from the expiry of the payment deferred promotion. Any minimum payment and the due date will be shown on your monthly statement.
Are there penalties for early repayments?
No, there are no penalties for early repayments.
Can I choose which product I wish to apply for?
Yes, however products may be subject to different credit criteria and promotional terms. If you are unsure which product is best for you, please talk to the sales person in store.
Important Information
Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Fees, charges and lending criteria apply. Terms and conditions apply and are available on request.
^ Interest-free periods apply only to approved promotional transactions for specified periods at participating merchants. Balances outstanding at the end of a promotional period will form part of the normal account balance and will be subject to the standard account conditions of use and cash advance rate at the time (currently ). Interest free and payment deferred promotions are at the discretion of the participating retailer. HSBC accepts no liability for the time periods terms, terms and conditions of any promotion offered.
# Not available at outlets located in David Jones stores.
