Interest Free Travel

 Book Now, Pay Later

Life is short. Book your next interest free holiday with Travel With Purpose and enjoy 12 months of flexibility and freedom. Get access to a wide range of flights, hotels, packages, cruises, tours and more and make the most of this great offer.

We can make your holiday dreams a reality with 3, 6, 9 or 12 Months Interest Free*
It’s so easy! Follow the link below and you will receive a response generally in 60 seconds.
* Interest Free then reverts to the variable cash advance rate

  • No application fee
  • Flexible monthly repayments with no repayment fees
  • Annual card fee of $79
  • Available for new and existing HSBC card members
  • Choose where, when and how you travel, all Interest Free*
  • Conditions apply - speak with your consultant for more details, or apply below


  • Flexible interest free special promotion purchases together with the advantages of a Visa Credit Card
  • Flexibility to choose your interest free term of 3, 6, 9 or 12 months
  • Further interest-free special promotion purchases at Travel With Purpose agencies
  • Competitive $79 annual fee for purchases from $500 to $50,000.
  • Up to 55 days interest-free period for other everyday purchases when you pay the full balance by the due date (the full balance includes all transactions & balance transfers).
  • No early repayment fees on your special promotion purchase.
  • Worldwide acceptance at over 24 million Visa retailers.
  • Cash withdrawals at over 800,000 ATMs worldwide

Further Interest Free Purchases

You can use your card to make additional interest-free special promotion purchases at Travel With Purpose agencies up to your available credit limit. Simply ask your Travel With Purpose agent to process your booking amount as an ‘add on’.

How Does Interest-Free Work?

Interest free means you will not pay any interest on the outstanding balance of your approved special promotion purchase during your interest free period (3, 6, 9 or 12 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.


Let your travel agent show you how easy your Interest Free purchase can be by applying in-store or online. Once your application is approved by HSBC you can book all your travel arrangements instantly! Interest Free terms and conditions apply as per your chosen term of 3, 6, 9 or 12 months. Minimum purchase amount is $500 and annual card fee of $79 applies


Yes - You can use Interest Free to book any aspect of your next holiday experience. From airfares, accommodation, tours, travel insurance, cruises, land packages and more! If you are dreaming of your next travel adventure, now is the time to book and take advantage of all the latest travel deals Interest Free1!


Once you are approved you are able to make further Interest Free purchases at participating retailers. When you are ready for your next holiday, simply speak to your travel agent to take advantage of Interest Free1 holiday options.




12 months interest free? How does that work?
When you take out Interest free, it means you will not have to pay any interest on the purchase you made during the promotional period (which can be between 3 to 12 months, depending on the retailer and your choice). You still have to pay a minimum monthly repayment as you would with any standard credit card purchase, but you pay no interest

How do I take advantage of interest-free?
Applying for interest free is easy and should only take between 5-10 minutes. If you are approved, you can take your new purchase home there and then. Your interest free purchase will be financed with an HSBC Classic Credit Card, which will be mailed to you. If you an existing HSBC credit card holder, making interest free purchases is easy as long as you stay within your credit limit.

Simply tell the shop assistant or travel agent you wish to make a purchase on interest free at that participating retailer, and your purchase will be settled in minutes.

Do I need to have a credit card to make an interest free purchase?
Yes, the interest free promotion is only available with a HSBC Classic Credit Card

What is the minimum monthly repayment I will have to make?
When you make an interest free purchase, you must repay a minimum amount every month by the date shown on your statement (please note this is the date HSBC should receive the payment, not the date on which you make the payment). For our HSBC Classic Credit Card, the minimum repayment is the higher of $20 or 3% of the outstanding balance.

You do not have to make a repayment if your balance is zero or in credit, or if you are within a payment deferred promotional period. You do have the flexibility to pay all of, or more, than the outstanding balance if you wish. You should also be aware that the minimum monthly repayment on your statement may not pay off all your outstanding balance within the promotional period.

Can I use my card for everyday purchases as well?
Of course. One of the real benefits is that interest free comes with a credit card. That way, you are able to use your HSBC Classic Credit Card for everyday purchases whenever you shop at any of the 24 million retailers worldwide that accept Visa.

What about extra interest free purchases?
Once you are approved and have your HSBC Classic Credit Card, you have the ability to make additional interest free purchases, as long as you stay within your approved credit limit. When you’ve found what you want, in one of the participating retailers, simply ask the staff member to make the payment for the new item as an ‘add on’ to benefit from interest free.

Do I have to pay off my interest free purchase before I can use my card again?
No. Once you receive your HSBC Classic Credit Card you will have a credit limit, which will often be higher than the amount of your interest free* purchase. As long as you have sufficient available credit left on your card, you can use it for additional every day or interest free purchases up to the full amount of your credit limit.

When will I receive my first statement?
You will receive your first statement within one month of taking delivery of your interest free purchase.

Can I pay off my balance before the end of the promotional period?
Yes, you can pay off the full balance at any time.

Is there an exit fee for early payments?
No, there is no exit fee for early repayments

What happens if I don’t pay the total amount owing by the end of the promotional period?
At the end of the promotional period, any outstanding balances will incur interest at our cash advance interest rate. Interest is only charged on the remaining promotional balance from the day after the promotion expires and is not backdated to the start of the promotion.

*Lending criteria, terms and conditions, fees, and charges apply and are available on application. See in-store for details. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162 Australian credit licence 232595. Minimum purchase and conditions apply. 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. Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher.