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A woman using laptop in a living room; image used for HSBC Australia Interest Free purchase offer.

HSBC Interest Free

Spread out the repayments on your next major purchase using HSBC Interest Free1 at our participating retailers.

Give yourself the flexibility to spread your repayments out over time by making your next major purchase using HSBC Interest Free. By using your HSBC Credit Card at any of our participating retail partners, you can enjoy a range of interest free terms as a standard feature of your account.

Features and Benefits

  • Easy to use, just provide your HSBC Credit Card details at one of our participating retailers

  • Customer confirmation required on all HSBC Interest Free purchases giving you peace of mind

  • No additional fees

  • Available at over 1,000 participating merchants

  • Great range of Interest Free repayments options available

Interest Free terms and minimum spend criteria are subject to availability at specific stores.

HSBC Interest Free repayment plan options

Minimum monthly repayments

Make the most of paying no interest on your purchase while you make the minimum monthly repayments of 3% or $30 (whichever is higher). Great for short, medium and long term plans (6-72 months). You can make additional payments whenever you want, just be sure to remember your minimum monthly repayments.

Deferred payments

Deferred payments let you pay what you want, when you want, within the term of the loan. Enjoy interest free purchases with deferred payments for a set period of time. Great for shorter terms (6-12 months).

Equal monthly instalments

Ideal for spreading bigger purchases over a longer term (36-72 months).

It's an effective way to manage your budget with set, fixed repayments each month and have your purchase paid off at the end of the term.

Retail Partners will offer different term lengths and structures so check in-store or online for what terms are available.

How to make a HSBC Interest Free purchase

3 simple steps to take advantage of Interest Free1

Cards, image used for HSBC Interest Free purchase page.

Step 1

Have your HSBC credit card and your mobile phone with you when you purchase at one of our participating retailers. No need to fill in any forms.

HSBC Interest free logo

Step 2

Let the sales staff know, or indicate at check-out, that you want to make your purchase using HSBC Interest Free1. No need to wait for an approval.

Gift, image used for HSBC Interest Free purchase page.

Step 3

HSBC will then send you an SMS for you to confirm that you are happy to proceed with the purchase. Once you confirm, you can take your purchase home with you and pay it off over time thanks to the ease of HSBC Interest Free1.

Which retailers offer HSBC Interest Free?

There are over 1,000 participating retailers offering HSBC Interest Free. Whatever you're after it's the easy way to get what you want today. Take a look at some of our participating retailers below.

  1. Only available at participating retailers and on specific purchases. Interest free finance is applied only to promotional transactions for the specified period. Unpaid HSBC Instalment Plan monthly instalment balances or balances outstanding at the end of the promotional period will form part of the normal account balances and will accrue interest at the cash advance rate current at the time. See in-store for details. Unless monthly payments are fixed for HSBC Instalment Plans or are deferred for a specified period as part of the promotional offer, repayments are required and calculated at 3% of the outstanding balance or $30, whichever is higher. T&C's, fees and charges and lending criteria apply.