Interest Free* Finance

*Interest Free reverts back to a variable cash advance rate of 25.99% p.a.
($59 Annual Fee, Minimum Purchase Amounts Apply)

Avoid the wait-in-store. You can apply for Interest Free finance online. Choose from our finance options below and click on the “Apply Now” button and complete the HSBC credit card application. As soon as your application is completed, hit the submit button to process your application. You will receive immediate response that will be displayed on-screen and emailed to you. If you are approved, simply present your approval and photo ID in to your nearest Able Home & Office store and complete your purchase.

*NOTE: Finance is not available to online shoppers or applicants that cannot visit any store of Able Home & Office to complete your purchase.



What am I applying for?

 You are applying for an HSBC Visa Credit Card that allows you to make interest free* special promotion purchases through Able Home & Office stores. The HSBC Visa Credit Card provides you with:

  • Flexible interest free* special promotion purchases together with the advantages of a Visa Credit Card.

Further interest-free* special promotion purchases at Able Home & Office and other selected outlets as offered from time to time.

  • Competitive $59 annual fee.
  • Up to 55 days interest-free* period for other everyday purchases when you pay the full balance by the due date (the full balance includes all transactions & balance transfers).
  • For purchases from $500 to $50,000.
  • No early repayment fees on your special promotion purchase.
  • Worldwide acceptance at over 24 million Visa retailers.
  • Cash withdrawals at over 800,000 ATMs worldwide.


How does interest-free* work?

Interest-free* means you will not pay any interest on the promotional purchase you made with Able Home & Office during the promotional period. You will be required to pay the minimum monthly repayments as you would with any standard credit card purchase. Other transactions made with your credit card will incur interest charges. Upon expiry of your interest free* period, any remaining balance will revert back to a variable cash advance rate of 25.99% p.a.


What does interest-free* payment deferred mean?

As well as having the advantage of not being charged any interest on your promotional purchase for the specified promotional period, you don't need to make any repayments towards that purchase for the deferred period of the promotional purchase. Some retailers call this, ‘Buy now, Pay later.’ Payments will be required once the payment deferred term has expired. Other transactions including fees and charges will require the minimum monthly repayment amount set out in your credit card statement.


Can I make other interest-free* purchases with my card?

Yes, you can use your card to make additional interest-free* purchases in-store up to your available credit limit. Simply bring your HSBC Visa card in-store and ask the attendant to process an ‘Add-on.’


What is the minimum monthly repayment I will have to make?

Unless your payments are deferred, the minimum monthly repayment is the higher of $20 or 3% of the outstanding balance at the time of your credit card statement is issued. You must pay at least the minimum repayment set out in each statement on or before the due date. This is the date HSBC should receive your payment, not the date on which you make the payment. You should allow sufficient time for payments to be received and processed by us before the due date.


Terms & Conditions

*Interest free finance is applied only to promotional transactions for the specified period. 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 applicable at the time, which is 25.99%p.a, current as at 01/08/2016 and is subject to change. Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher. Lending criteria, terms and conditions, fees, and charges apply and are available on application.  Minimum purchase amounts apply. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence 232595

Issued by HSBC Bank Australia Limited ABN 48 006 434 162 Australian Credit Licence No. 232595 (“HSBC”) and HSBC is the credit provider. Lending criteria, fees, charges and interest rates apply. Terms and conditions apply