Introducing the new Michael Hill FlexitiCard®
Apply in minutes with no deposit* 0% interest with monthly payment plans available. Sign up in-store or online today!
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†Excludes Quebec residents. 13-month deferred plan offer ends 30 November 2023; 14-month deferred plan offer ends 31 December 2023. Customers must apply instore or online for flexiticard. Available for approved applicants only. $1,500 minimum finance amount on transactions made with flexiticard. Deferred payment period term applies to repayment, interest accrual and account fees. Repayment obligations and fees apply from the end of the deferred payment period. Credit provided by Flexiti Financial. B.C. Licence No. 83660. Credit provider T&Cs apply: michaelhill.com.au/finance-options.
Promotional Financing Plans
3 equal monthly payments, no interest plan
$500 minimum purchase
O.A.C. On your Michael Hill FlexitiCard. Minimum purchase of $500 applies, including taxes. No interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Any balance at end of the promo term bears interest at the Account AIR. Financing provided by Flexiti Financial.
6 equal monthly payments, no interest plan
$500 minimum purchase
O.A.C. On your Michael Hill FlexitiCard. Minimum purchase of $500 applies, including taxes. No interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Admin fee of $24.99 applies and will be financed with purchase (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Any balance at end of the promo term bears interest at the Account AIR. Financing provided by Flexiti Financial.
12 equal monthly payments, no interest plan
$1000 minimum purchase
O.A.C. On your Michael Hill FlexitiCard. Minimum purchase of $1000 applies, including taxes. No interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Admin fee of $49.99 may apply and will be financed with purchase (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Any balance at end of the promo term bears interest at the Account AIR. Financing provided by Flexiti Financial.
18 equal monthly payments, no interest plan
$1500 min purchase
O.A.C. On your Michael Hill FlexitiCard. Minimum purchase of $1,500 applies, including taxes. No interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Admin fee of $74.99 may apply and will be financed with purchase (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Any balance at end of the promo term bears interest at the Account AIR. Financing provided by Flexiti Financial.
24 equal monthly payments, no interest plan
$2000 min purchase
O.A.C. On your Michael Hill FlexitiCard. Minimum purchase of $2000 applies, including taxes. No interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Admin fee of $99.99 may apply and will be financed with purchase (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Any balance at end of the promo term bears interest at the Account AIR. Financing provided by Flexiti Financial.
Deferred Plans (In-store Only)
12-month Deferred Plan Disclaimer:
**O.A.C. On your FlexitiCard. Offer valid until June 19, 2022. Minimum purchase of $1,000 (excluding taxes) is required. No payments are required during the promo period. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% and 39.99%. Any balance at the end of the promotional period bears interest at the Account AIR. Admin fees of $49.99 apply. Promotions and terms may be changed without notice. Financing provided by Flexiti Financial. B.C. Licence No. 83660. Flexiti, FlexitiCard, Flexiti Network and the Flexiti design are trademarks of Flexiti Financial Inc.
18-month Deferred Plan Disclaimer:
†O.A.C. Subject to the terms of the Flexiti cardholder agreement. Minimum purchase of $1500 applies, including taxes. No payments are required during the promotional period, except for payment protection insurance premiums, fees and taxes, if applicable, which are billed monthly. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99% and 39.99%. Admin fee of $74.99 applies and will be financed with purchase. Annual fee of $24.99 may apply. Any balance at end of promo term bears interest at the Account AIR. No payments deferred plans are not available for Quebec residents, however, other deferred interest promos are available (max Account AIR is 35%, $39.99 annual fee applies). Promo and terms may be changed without notice. Financing provided by Flexiti Financial. B.C. Licence No. 83660.Flexiti, FlexitiCard, and Flexiti Financial are trademarks of Flexiti Financial Inc
Terms and Conditions
*On Approved Credit On your Michael Hill FlexitiCard. Minimum purchase may apply, ask in-store for details. For no interest equal monthly payment plans: no interest will accrue during the promo period. Purchase amount is to be paid in equal monthly payments plus payment protection insurance premiums, fees and taxes, if applicable. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date. If any payment is missed, all promo offers on the account may be cancelled and upon cancellation, interest will be calculated at the Account AIR. For no payments deferred plans (not available for Quebec residents): no payments are required during the promotional period, except for payment protection insurance premiums, fees and taxes, if applicable, which are billed monthly. Interest at the Account AIR accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Initial Account AIR is disclosed upon approval, varies based on cardholder’s creditworthiness at time of application. Current Account AIRs are 31.99%, 35% (max for Quebec residents), and 39.99%. Admin fee of $24.99 - $99.99 may apply and will be financed with purchase (not applicable for Quebec residents). Annual fee of $39.99 applies for residents of Quebec and $24.99 may apply for residents of other provinces. Any balance at end of the promo term bears interest at the Account AIR. Financing provided by Flexiti Financial. Flexiti, FlexitiCard and the Flexiti design are trademarks of Flexiti Financial Inc.
Frequently Asked Questions
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For more information about your Michael Hill FlexitiCard, please contact Flexiti.
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