Easy monthly payments with a Michael Hill card

At Michael Hill, we offer flexible payment plans so you can take home the piece you want with the peace of mind you deserve. Our plans offer no interest options for up to 18 months all subject to credit approval. We will work with you to get you the piece you want, on the terms that are right for you. At this time, Michael Hill Card is only accepted in our stores.

Already a Michael Hill Cardholder? Register for Online Statements TODAY

It’s now even easier to manage your Michael Hill Card, with our new online portal. Register now to access your current statement online at any time, view your account history, and arrange payment from the comfort of home.

Register Now

Note: By clicking the link above, you will be redirected to the Michael Hill Card Services site to complete sign up or log in to your existing account.
Need to contact us about your Michael Hill Card? Please call (800) 209-8546 to speak to our team.

Interest Free

Equal monthly instalments. Approved applicants only. Fees & T&Cs apply. Ask in-store for details.

*6 months, no interest on purchases of $500 or more when you shop with your Michael Hill card between (August 31 – October 25 2020). On approved credit only with a minimum purchase of $500 (including taxes) on your Michael Hill Card. 10% deposit and minimum monthly payments required. Interest is waived if all minimum monthly payments (minimum payments) are made by their respective due dates and the balance is paid in full within 6 months (promotional term). If minimum payment or final balance is not paid when due, then interest shall accrue daily 24.99% on any unpaid balance owing until it is paid in full. Conditions apply.

Regular Credit Plan

Standard Revolving:

*Subject to credit approval. No annual fee. Minimum payments are required to the greater of $25.00 or up to 10.0% of the Highest Amount of the Regular Credit Balance and rounded up to the nearest $1.00 increment plus any applicable fees or charges. Interest accrues at the Regular Rate and will be charged to the account until the balance is paid in full. The Regular Rate of Interest is 24.99%.

Promotional Credit Plans

6 Equal Monthly Payments, No Interest Plan

$500 minimum purchase, $2000 transaction limit

Subject to credit approval. Minimum purchase $500 and $2000 transaction limit (including taxes). $24.99 Annual fee (with balance). No deposit required. No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 6 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

12 Equal Monthly Payments, No Interest Plan

$1000 minimum purchase

Subject to credit approval. Minimum purchase $1000 (including taxes). $24.99 Annual fee (with balance) and no deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 12 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

18 Equal Monthly Payments, No Interest Plan

$1500 minimum purchase

Subject to credit approval. Minimum purchase $1500 (including taxes). $24.99 Annual fee (with balance) and 30% deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 18 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

24 Equal Monthly Payments, No Interest Plan

$2000 minimum purchase

Subject to credit approval. Minimum purchase $2000 (including taxes). $24.99 Annual fee (with balance) and 40% deposit required.

No interest is payable under this plan if: (i) each Minimum Payment is made by the due date specified on your Account Statement; and (ii) the Promotional Balance is repaid in full by the Promotional Due Date. The Minimum Payment under this plan is determined by dividing the amount of the Promotional Purchase by the number of months contained in the Promotional Term, rounded up to the nearest $1.00 increment (the applicable time period for the Promotional Term under this plan is 24 months). In no case will the Minimum Payment be less than $25; however, the Minimum Payment will never be more than the Promotional Balance. If a Minimum Payment is not made by the due date specified in your Account Statement, or your Promotional Balance is not repaid in full by the Promotional Due Date, then interest shall accrue daily at the Regular Rate on the amount of the Promotional Balance as of the date of the Promotional Purchase.

Benefits

  • No Annual Fee on Standard Revolving Plan
  • Interest Free Options available
  • Exclusive Cardholder only offers and information

FAQ

  • How long does it take to apply?

    You can be approved within minutes.

  • Can I use my card straight away?

    Yes! You can shop in store instantly.

  • When will I receive my card?

    Your Michael Hill Card will arrive within 10 days.

  • How do I apply?

    Visit your local Michael Hill store today to apply.

Find a store

A Michael hill card application will require the following information:

  • Drivers Licence, Passport, Age of Majority Card or other photo ID.
    NB: A photo of your ID will be taken upon application.
  • Date of Birth
  • Residential Address
  • Mailing Address (if different)
  • Email
  • Mobile Number
  • Income in CAD
  • Employment Information
  • Proof of Income
  • Agreement to terms and conditions.

For billing enquiries and payments, please contact:

Retail Credit Solutions
(800) 209-8546