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What is Interest Free?
Enjoy the freedom to make your purchase and manage your payments over time, without paying any interest during the interest free period*

*(provided you pay the "payment to reduce further interest" amount in your montlhy statement by the payment due dates, some may apply).

Minimum monthly payments are required but making only these payments will not reduce your balance to zero during promotional period. If you pay the outstanding balance in full before the end of the interest free period, you will avoid paying any interest. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period (currently 25.99% p.a. for Gem Visa and 29.95% p.a. for GE Creditline).

  • Buy online or in-store
  • Choose payment plan that suits you
  • Pay no interest during interest free period
  • Apply online and get a response in 60 seconds and if approved, start shopping right away
  • Minimum monthly payments must be made each month
  • Make additional repayments without penalty

Apply now to take advantage of Interest Free shopping

Choice of repayment plans

  • 36 Months Interest Free on the WilliamsWarn Brewery System

    36 months interest free on the WilliamsWarn Brewery System. From no deposit. Minimum purchase $1000. Establishment fee of $55 and annual fee ($52 GEM Visa/$50 Creditline) apply. Normal lending conditions and credit criteria apply. Minimum monthly repayments must be made during the interest free period. Paying only the minimum monthly repayment will not pay out the loan before the end of the interest free period. On expiry of the interest free period, the finance company's prevailing interest rate will apply to any outstanding balance. Finance offers not available on Commercial and Educational pricing. See store for details.

  • 36 Months Interest Free Storewide Incl Apple Mac & iPad with 36 Monthly Equal Repayments

    36 months of equal interest free instalments with Gem Visa and Gem CreditLine. Weekly payments are indicative only. 36 equal monthly interest free instalments will be payable. Amount payable will be shown on your monthly statement. Minimum purchase $490. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. On expiry of the interest free period, the prevailing interest rate (currently 25.99% p.a. for Gem Visa/29.95% p.a. Gem CreditLine) will apply to any outstanding balance. Finance offers not available on Commercial and Educational pricing. Excludes CTO custom builds, Apple watch, iPhone and iPod, gaming consoles, Microsoft Surface, Samsung Galaxy S7 range, Sonos, Miele Whiteware/Cookware & Outlet Stores. Finance offer available until 27/03/17.

  • 15 Months Interest Free Deferred Payment Storewide

    15 Months Interest Free Deferred Payment Storewide. Minimum purchase $500. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. On expiry of the interest free deferred period, the prevailing interest rate (currently 25.99% p.a Gem Visa/29.95% p.a Gem CreditLine) applies to any outstanding balance. Finance offers not available on Commercial and Educational pricing. Excludes all Apple products, gaming consoles, Samsung Galaxy S7 range, Sonos, Miele Whiteware/Cookware & Outlet Stores. Finance offer available until 31 March 2017.

  • 12 Months Interest Free

    12 months interest free Storewide. Minimum purchase $250. From no deposit. 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 applies to any outstanding balance on the expiry of the interest free period. Finance offers not available through Harvey Norman Commercial divisions. Excludes Sonos and Miele Whiteware/Cookware.

  • 6 Months Deferred Payment

    6 months interest free deferred payment Storewide. Minimum purchase $250. From no deposit. 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 applies to any outstanding balance on the expiry of the interest free period. Finance offers not available through Harvey Norman Commercial divisions. Excludes Sonos and Miele Whiteware/Cookware.

Fees and Charges

Minimum monthly payments are required but you won't be charged interest if you pay off your purchase before the expiry of the interest free period. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.

Standard fees and charges apply including:
Establishment Fee
A once off fee of $55 is charged for the processing of your application when you open your account and applied at the point of your first spend.

Annual Account Fee
A fee is charged at the anniversary of your account and is for maintaining the account for the previous 12 months. It is then charged each subsequent year the account remains open. The annual fee is $52 for GEM Visa or $50 for Creditline.

Gem Visa and GE Creaditline are provided by Latitude Financial Services Limited.

Interest Free Offers

  • 36 Months Interest Free on the WilliamsWarn Brewery System

    36 months interest free on the WilliamsWarn Brewery System. From no deposit. Minimum purchase $1000. Establishment fee of $55 and annual fee ($52 GEM Visa/$50 Creditline) apply. Normal lending conditions and credit criteria apply. Minimum monthly repayments must be made during the interest free period. Paying only the minimum monthly repayment will not pay out the loan before the end of the interest free period. On expiry of the interest free period, the finance company's prevailing interest rate will apply to any outstanding balance. Finance offers not available on Commercial and Educational pricing. See store for details.

  • 36 Months Interest Free Storewide Incl Apple Mac & iPad with 36 Monthly Equal Repayments

    36 months of equal interest free instalments with Gem Visa and Gem CreditLine. Weekly payments are indicative only. 36 equal monthly interest free instalments will be payable. Amount payable will be shown on your monthly statement. Minimum purchase $490. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. On expiry of the interest free period, the prevailing interest rate (currently 25.99% p.a. for Gem Visa/29.95% p.a. Gem CreditLine) will apply to any outstanding balance. Finance offers not available on Commercial and Educational pricing. Excludes CTO custom builds, Apple watch, iPhone and iPod, gaming consoles, Microsoft Surface, Samsung Galaxy S7 range, Sonos, Miele Whiteware/Cookware & Outlet Stores. Finance offer available until 27/03/17.

  • 15 Months Interest Free Deferred Payment Storewide

    15 Months Interest Free Deferred Payment Storewide. Minimum purchase $500. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. On expiry of the interest free deferred period, the prevailing interest rate (currently 25.99% p.a Gem Visa/29.95% p.a Gem CreditLine) applies to any outstanding balance. Finance offers not available on Commercial and Educational pricing. Excludes all Apple products, gaming consoles, Samsung Galaxy S7 range, Sonos, Miele Whiteware/Cookware & Outlet Stores. Finance offer available until 31 March 2017.

  • 12 Months Interest Free

    12 months interest free Storewide. Minimum purchase $250. From no deposit. 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 applies to any outstanding balance on the expiry of the interest free period. Finance offers not available through Harvey Norman Commercial divisions. Excludes Sonos and Miele Whiteware/Cookware.

  • 6 Months Deferred Payment

    6 months interest free deferred payment Storewide. Minimum purchase $250. From no deposit. 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 applies to any outstanding balance on the expiry of the interest free period. Finance offers not available through Harvey Norman Commercial divisions. Excludes Sonos and Miele Whiteware/Cookware.

New to Interest Free? Apply for a Gem Visa now.

  1. Apply now - it takes less than 5 minutes
  2. Get a response in less than 60 seconds
  3. Once approved, start shopping

Apply for a Gem Visa now

Already have an eligible card? Start shopping today.

  1. Choose Interest Free when you checkout your purchase
  2. Enter your credit card or account details
    OR present your card when you shop in-store

Start shopping now
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