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O.A.C. Subject to the terms of the Flexiti cardholder agreement. Offer valid until December 31, 2022. Minimum purchase of $1,000 before taxes applies. Offer available in-store only. Buy now, don’t pay until 2024 (deferred payment) offer: Promo period may be 15, 14 or 13 months and will be disclosed prior to the completion of the transaction. No payments are required during the promo period, except for payment protection insurance premiums 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% - 39.99%. Any balance at end of promo term bears interest at the Account AIR. Admin of $49.99 applies. This promotion is not available to Quebec residents, however other deferred interest promos are available (max Account AIR is 35%). Promo and terms may be changed without notice. Eligibility for promotions varies with cardholder creditworthiness. Financing provided by Flexiti Financial. B.C. Licence No. 83660. Flexiti, FlexitiCard, and the Flexiti design are trademarks of Flexiti Financial Inc.

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.

Flexiti Holiday Campaign

†Offer available to the first 150 Michael Hill Brilliance members instore only where FlexitiCard is used to make qualifying fully paid purchases in any single transaction between 12:01am Monday 21 November 2022 and 11:59pm Saturday 31 December 2022 (subject to extension). Purchase must be financed with the FlexitiCard. To be eligible to receive the egiftcard the following Minimum Spend must be spent: $2500 (inclusive of taxes) to receive $150 egiftcard. The following items are excluded from calculating the Minimum Spend: gift cards and items purchased on layby or custom orders not fully paid during the promotion period. egiftcard will be emailed to the customer by Michael Hill within 5 working days of the end of the promotion period. egiftcard redeemable between 2 January and 15 February 2023. This offer cannot be redeemed against a prior purchase or redeemed for cash and not in conjunction with any other offer (except member pricing). The offer is subject to our General Terms and Conditions (including gift card terms and conditions) and Delivery, Returns and Privacy policies, which are available online at www.michaelhill.ca.

Frequently Asked Questions

  • How do I apply for the Michael Hill Flexiti Card?

    You can apply for the Michael Hill FlexitiCard® either online or in-store.

  • Can I use my card straight away?

    Yes, you can shop in-store and online with your Michael Hill FlexitiCard® as soon as your Flexiti account welcome email is received.

  • When will I receive my card?

    Michael Hill FlexitiCards will be available later in 2021. Once available, your Michael Hill FlexitiCard should arrive within 10 business days by mail upon approval. In the meantime, you can use the barcode found in your Flexiti account welcome email to shop.

  • How do I pay with the new Michael Hill Flexiti Card?

    Simply choose Flexiti in our online checkout or present your Michael Hill Flexiti Card to our friendly staff or show the barcode from your welcome email on your mobile device.

  • How do I manage my account?

    Visit my.flexiti.com to register your account online. You'll be able to see your statements, balance and transactions, when your payments are due, and sign up for e-statements and more.

  • For more information about your Michael Hill FlexitiCard, please contact Flexiti.

    Call 1-877-259-3745 Monday to Friday from 9am to 9pm EST or email [email protected]

  • How do I make payments?

    Online banking: Sign in to your online banking account and add Flexiti (Flexiti Financial) as a bill payee using your 16-digit account number. By mail: Mail a cheque for your payment to Flexiti Financial Account Services, P.O. Box 340, Orangeville, ON, L9W 2Z7. Include your account number in the cheque's memo field to avoid delays.

  • I am an existing Michael Hill Credit Card account holder. Who can I contact for billing and payment enquiries?

    Existing card holders (and Michael Hill Credit Card holders who have not moved across to the Michael Hill Flexiti Card) can contact Retail Credit Solutions (800) 209-8546 to discuss their account.