It can be very awkward delaying the purchase of something your business needs urgently. But with your GO Business MasterCard you can buy it now and pay for it later.

How? By taking advantage of the extended interest free and deferred payment finance options available to you at Harvey Norman, Domayne and Joyce Mayne and over 10,000 retailers around Australia¹.

These options are available all year round, on a huge range of products, without the need to re-apply for additional finance.

This is the only credit card in Australia to offer this business-friendly feature. So why pay with cash or use another credit card? The GO Business MasterCard really can help you manage your cashflow better and get what your business needs – now.

These are some of the options that the retailer may offer:

Interest free payment deferred purchase

Sometimes referred to as 'Buy Now Pay Later'. You are not required to make a payment for a specified period of time, usually 6 to 12 months. Also, the purchase does not attract any interest during that time². Purchase a single high priced item, or a collection of lower priced items; but naturally, you must spend at least the store’s minimum purchase amount and you must do so during the one store visit.
Before your interest free period expires, you can choose to pay off your account in full, in which case, no interest will be charged. Or you can begin monthly payments that will include interest on the outstanding balance from the day after your interest free period ends.

Interest free promotion

These purchase options differ to the Interest Free Payment Deferred purchase in that a minimum monthly repayment is required, either 3% of the outstanding balance of your account or $25 - whichever is greater³ (plus any overdue payments, over limit amounts and fees). 

Combined promotion

This is effectively a combination of the above promotional types. That is, you may make an Interest Free Payment Deferred purchase with the payments deferred for 6 months for example, after which you may have another 6 months where payments are required, but without interest being charged for the whole 12 month period. 

Instalment interest bearing promotion

Sometimes referred to as 'Own-It-Now'.  The benefit of this promotional type is that your repayments are spread over the promotional term into equal monthly instalments, including the interest component. The interest rate on instalments during the promotional period is at a special lower rate than the account rate. If there is a balance outstanding after the promotional period (eg you have missed a payment), then interest is charged at the prevailing account rate.
You can take advantage of these promotional purchases from thousands of retailers across the country - for the list of retailers click here.

¹ Minimum finance amount, terms and conditions apply. See in store for details. A monthly account service fee, $40 annual fee and other fees and charges apply.
² Available at participating retailers only. Minimum purchase criteria and conditions apply. Interest and payments are payable after any interest free period. Please see your Conditions of Use for details.
³ Paying only the minimum monthly payment may mean that you do not pay off your interest free purchase amount by the end of the interest free period. Any balance outstanding after the interest free period will be charged interest at the prevailing account rate.