Credit Terms & Conditions

GEM VISA AND GEM CREDITLINE

Interest free plans Available*

  • 3 Months Interest free
  • 6 Months Interest free
  • 12 Months Interest free
  • 18 Months Interest free
  • 24 Months Interest free
  • 36 Months Interest free

*Approved customers. Amount payable will be shown on your monthly statement. Minimum purchase amount as above. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20, whichever is more, will not be sufficient to repay the purchase amount(s) within the promotional period. Prevailing interest rate (currently 25.99% p.a Gem Visa/29.95% p.a Gem CreditLine) applies to any outstanding balance on the expiry of the interest free period. Gem Visa and Gem CreditLine are provided by Latitude Financial Services Limited.


GEM VISA AND GEM CREDITLINE

36 Months Instalment Interest Free*

Approved customers. 36 months of equal interest free instalments with Gem Visa and Gem CreditLine as an instalment plan advance (Gem Visa) or a CreditLine Select advance (Gem CreditLine). Amount payable will be shown on your monthly statement. Minimum purchase amount applies. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. Gem Visa and Gem CreditLine are provided by Latitude Financial Services Limited.


Gilrose Finance Payment Types

Interest Free (IF) – No interest is charged on the transaction amount for ‘x’ months. The Customer is required to make minimum monthly repayments. Gilrose lending criteria, fees, terms and conditions apply.


Q Card Payment Types

Interest Free Flexi (IFF) - Flexi Payment Plans mean that the customer’s minimum monthly repayments will be 3% of the closing balance or $10 (Whichever is the greater). Upon expiry of the interest free period the Q Card standard interest rate will apply to any remaining balance. Q Card lending criteria, fees, terms and conditions apply.


Wrap it up today. Special financing available^

^Terms and conditions apply. See in store for details.