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 Betta store.

Please note: Finance is not available to online shoppers or applicants that cannot attend a Betta store to complete their purchase.

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

HSBC Low Rate Credit Card


  • Interest-free* and interest-free payment-deferred* promotional purchases at Betta Home Living 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

Interest Free Finance FAQs

Interest-free* means you will not pay any interest on the promotional purchase you made with Betta Home Living 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