Interest Free Offers

60 Months Interest Free

#60 months interest free available on purchases $1200 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Excludes all Gift cards, Apple Products, Microsoft Surface and Galaxy S7.

48 Months Interest Free

#48 months interest free available on purchases $999 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Excludes all Gift cards, Apple Products, Microsoft Surface and Galaxy S7.

36 Months Interest Free

#36 months interest free available on purchases $750 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Excludes all Gift cards, Apple Products, Microsoft Surface and Galaxy S7.

30 Months Interest Free *when the offer EXCLUDES Apple

#30 months interest free available on purchases $699 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Excludes all Gift cards, Apple Products, Microsoft Surface and Galaxy S7.

30 Months Interest Free *when the offer INCLUDES Apple

#30 months interest free available on purchases $699 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. Includes Apple computers, iPads and Apple Watches. *Excludes all Gift cards, Microsoft Surface and Galaxy S7.

24 Months Interest Free

#24 months interest free available on purchases $499 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Excludes all Gift cards, Apple Products, Microsoft Surface and Galaxy S7.

12 Months Interest Free

#12 months interest free available on purchases $499 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Includes Apple computers, iPads and Apple Watches. Excludes Apple iPhones. *Excludes all Gift cards.

6 Months Interest Free

#6 months interest free available on purchases $249 and over using Gem Visa or Gem CreditLine. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa/$50 Gem CreditLine) apply. 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. Minimum monthly repayments must be made during the interest free period. The minimum monthly repayments of 3% of the outstanding balance or $20, whichever is greater, will not be sufficient to repay the purchase amount within the promotional period. Advertised credit offer is available in store and online and cannot be used in conjunction with any other Noel Leeming promotional offer. *Includes Apple computers, iPads and Apple Watches. Excludes Apple iPhones.*Excludes all Gift cards.


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.

Establishment Fee

A one off fee of $55 is charged for processing your application when you open your account and applied at the point of your first spend.

Annual Account Fee

A fee of $52 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.