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A sofa with cushions; image used for HSBC Australia Interest Free.

HSBC Interest Free1

Need to make an important purchase? Spread your repayments with up to 72 months Interest Free at over 1,000 participating retailers. Think bigger. Think Interest Free.

What is HSBC Interest Free

Interest Free finance is the easy way to buy what you want today and pay it off over an Interest Free period. You simply make your purchase in-store or online and spread your repayments for up to 72 months. With over 1,000 participating retailers, HSBC Interest Free finance gives you the flexibility to get what you want today.

HSBC Interest free logo.

What is an interest free period?

An interest free period allows you to make a purchase now and pay it off over time with no interest charges1. We have a great range of options so you can make your repayments in the way that best suits you. When making your purchase, be sure to check with our participating retail partners to confirm what terms are available for you.

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 do I take advantage of Interest Free?

Taking advantage of Interest Free is easy.

At time of purchase

Visit one of our participating retailers, listed below, either in-store or online, choose your purchase and ask to pay using HSBC Interest Free. You will get a response on the spot and once approved you can take your purchase home or have it delivered.

Before you purchase

Apply for any of HSBC's great range of credit cards. Then use your credit card at one of our participating retailers and let the sales staff know you want to make the purchase using HSBC Interest Free.

Already have an HSBC Credit Card?

Great. All our credit cards are eligible to be used for Interest Free. There's no need to complete any application forms. You can simply use your available HSBC credit at any of our participating retailers, just be sure to mention you want to pay using HSBC Interest Free.

Once you have agreed on your purchase with our Merchant Partner, HSBC will send you a confirmation of the purchase via SMS for you to approve.The purchase is not finalised until you tell us you are happy, making HSBC Interest Free the safest way to make your next major purchases.

Don't forget, while you enjoy 0% interest, monthly repayments may still apply (3% or $30 for HSBC Interest Free, whichever is higher; or the fixed monthly instalment amount for equal monthly instalments plans).

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.

King Furniture logo.
Find out more about King Furniture. This link will open in a new window

Visit your nearest King Living Showroom today to enjoy interest free with no deposit across the award-winning range of sofas, bedroom furniture, mattresses, dining and outdoor furniture.

Betta logo.
Find out more about Betta. This link will open in a new window

Betta Home Living has a network of over 160 retail stores owned and operated by individual local retailers. They are a 'one stop shop for Whitegoods, TVs & Audio, Cooking, Small and Portable Appliances to Air Conditioning, and more.

Stratco logo.
Find out more about Stratco. This link will open in a new window

Be the envy of your friends and neighbours. Take the opportunity to create the perfect outdoor area for lounging, entertaining or dining.

Video Pro logo.
Find out more Video Pro. This link will open in a new window

For over 39 years, Videopro has been Queensland's leading Audio Visual Specialist! For expert service and advice across a huge range of tech products from all the biggest brands, visit Videopro today!

Bing Lee logo.

Bing Lee

Bing Lee is an Australian owned family business since 1957. Operating Online and with 37 stores throughout NSW, ACT and VIC, Bing Lee pride themselves on providing honest advice and friendly customer service.

John Deere logo.
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Great lawn care starts with John Deere's range of ride on mowers and attachments. Visit one of our friendly dealerships located across Australia and take advantage of flexible and interest free finance. Discover the John Deere difference.

Eureka Street Furniture logo.
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Eureka Street Furniture has a long history of providing unique, quality pieces of furniture at affordable prices. We are proud to be an Australian owned and operated family business that was established in 1986.

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Spas Direct is now one of Australia's Largest Spa Retailers. Unlike a traditional Dealership, we offer spas at factory direct prices. When choosing to purchase your new Spa with Spas Direct, you are buying from a leading company, which has the best buying power and is able to offer competitive pricing.

  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.