HSBC Terms & Conditions

Interest Free* Finance Available

ABEL PATIOS  is proud to offer interest free* finance on all projects over $2000 with HSBC*.

Further Interest Free* Purchases

Once you are approved you are able to make further Interest Free* purchases at participating retailers. When you are ready for your next purchase, simply ask your merchant to process your transaction as an ‘add on’ to benefit from Interest Free* once more.

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.

How Does Interest Free* Work?

Interest free* means you will not have to pay any interest on the purchase you made during the promotional period (X months). You will be required to pay minimum monthly repayments as you would with any standard credit card purchase. Other transactions made with your credit card may incur interest charges. Upon expiry of your interest free* special promotion purchase, any remaining balance will revert to a variable cash advance rate at that time.

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 current at the time and subject to change. See in-store for details. Unless repayments 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. Lending criteria, terms and conditions, fees, and charges apply and are available on application. Offer valid available every day. Minimum purchase $2000. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian credit licence 232595.



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