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Your local furniture specialist

Finance purchase

How To Apply

And Get A Response In 60 Seconds

Click the image below that matches your term and complete the HSBC Credit Card application.

You will get an immediate on-screen response that will also be sent via email to your nominated address.

If you're approved, take your response, application and photo ID to your nearest Furniture Zone store.

Please note: Finance is not available to online shoppers or applicants that cannot attend a Furniture Zone store to complete their purchase. Product exclusions may apply, speak to your local store for details.

Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence 232595

  • Click a term below to complete an application:

HSBC Low Rate Credit Card


  • Interest-free* and interest-free payment-deferred* promotional purchases at Furniture Zone and other selected outlets (reverts back to a variable cash advance rate of 25.99% p.a.)
  • $99 annual fee.
  • For purchases from $500 to $50,000.
  • No early repayment fees on your promotional purchase.
  • Worldwide acceptance at over 24 million Visa retailers.
  • Cash withdrawals at over 800,00 ATMs worldwide.

Fees and Charges

Fee Type Annual Credit Card Fee Interest-free Period On Non-promotional Purchases Credit Card Purchase Rate Credit Card Cash Rate Overseas Transaction Fee Minimum Monthly Repayments
Fee Amount and Details $99 Up to 55 Days 12.99% 25.99% 0.00% Greater of 3% or $30

Stores offering Interest Free Finance

Store Suburb Postcode
McMahons Betta Home Living Atherton 4883
Biloela Betta Home Living Biloela 4715
Airlie Betta Home Living Cannonvale 4802
Charters Towers Betta Home Living Charters Towers 4820
Chinchilla Betta Home Living Chinchilla 4413
Goondiwinidi Betta Home Living Goondiwindi 4390
Shepherds Furniture Zone Gympie 4570
Garry Thyer's Betta Home Living Hyde Park 4812
Kingaroy Betta Home Living Kingaroy 4610
McMahons Betta Home Living Mareeba 4880
Souvlis Betta Home Living Maryborough 4650
Murgon Betta Home Living Murgon 4605
Thomo's Betta Home Living North Rockhampton 4701
Pittsworth Betta Home Living Pittsworth 4356
Knudsen Betta Home Living Redcliffe 4020
Balonne Betta Home Living St George 4487
Reeds Betta Home Living Tully Tully 4854
Betta Home Living Underwood Underwood 4119
Knudsen Betta Home Living Virginia 4012
Toowoomba Betta Home Living Toowoomba 4350
Yeppoon Betta Home Living Yeppoon 4703
Store Suburb Postcode
Belmont Betta Home Living Belmont 2280
Chandlers Betta Home Living Casino 2470
Chandlers Betta Home Living South Lismore 2480
Con Carr Betta Home Living Finley 2713
Hay Betta Home Living Hay 2711
Minchinbury Betta Home Living Minchinbury 2770
Narooma Betta Home Living Narooma 2546
Rezzie Betta Home Living East Maitland 2323
Whitby's Betta Home Living Narrandera 2700
Store Suburb Postcode
Simics Betta Home Living Bairnsdale 3875
Brunswick Betta Home Living Brunswick 3056
Camperdown Betta Home Living Camperdown 3260
Cohuna Betta Home Living Cohuna 3568
Ball & Croft Betta home Living Colac 3250
Echuca Betta Home Living Echuca 3564
Newtone Betta Home Living Footscray 3011
BCC Betta Home Living Geelong West 3218
Horsham Betta Home Living Horsham 3400
Kerang Betta Home Living Kerang 3579
Ciavarellas Betta Home Living Kyabram 3620
Kyneton Betta Home Living Kynetone 3444
Lakes Betta Home Living Lakes Entrance 3909
Hartley Wells Betta Home Living Leongatha 3953
Mansfield Betta Home Living Mansfield 3722
Jack Abell Betta Home Living Mildura 3500
Moe Betta Home Living Moe 3825
Moorabbin Betta Home Living Moorabbin Airport 3194
Scotts Betta Home Living Mortlake 3272
Portland Betta Home Living Portland 3305
Founds Betta Home Living Rosebud 3939
Simics Betta Home Living Sale 3850
Seymour Betta Home Living Seymour 3660
Newtone Betta Home Living Springvale 3171
St Arnaud Betta Home Living St Arnaud 3478
Traralgon Betta Home Living Traralgon 3844
John Allan Betta Home Living Wantirna South 3152
Wonthaggi Betta Home Living Wonthaggi 3995
Yarram Betta Home Living Yarram 3971
Store Suburb Postcode
Kununurra Betta home Living Kununurra 6743
Store Suburb Postcode
Berri Betta Home Living Berri 5343
Ceduna Betta Home Living Ceduna 5690
Hilton's Betta Home Living Mclaren Vale 5171
Minlaton Betta Home Living Minlaton 5575
Murray Bridge Betta Home Living Murray Bridge 5253
Barossa Betta Home Living Nuriootpa 5355
Store Suburb Postcode
Katherine Betta Home Living Katherine 0850

Interest Free Finance FAQs

Interest-free* means you will not pay any interest on the promotional purchase you made with Furniture Zone 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.

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.

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.’

Unless your payments are deferred, the minimum monthly repayment is the higher of $30 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. Interest Free reverts back to a variable cash advance rate of 25.99% p.a. ($99 Annual Fee, Minimum Purchase Amounts Apply)

Disclaimer: *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 28/06/2019 and is subject to change. Monthly repayments are required and calculated at 3% of the outstanding balance or $30, 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