No deposit finance.....

GET A DECISION IN 60 SECONDS

  • Click the button below that matches your term and complete the HSBC credit card applicaton.
  • Our fast response will be displayed on-screen and emailed.
  • If you are approved, call your local Panelspan office to have a design assessor come to your home and give you a quote. It's that easy!

HSBC Credit Card Features

  • Interest-free* on promotional purchases at selected outlets.
  • Payment-deferred option available on promotional purchases.
  • Competitive $59 annual fee for purchases from $500 to $50,000.
  • No early repayment fees on your promotional purchases.
  • Worldwide acceptance at over 24 million Visa retailers.
  • Cash withdrawals at over 800,000 ATMs worldwide.

Frequently Asked Questions


How does interest-free* work?

Interest-free* means you will not pay any interest on the promotional purchase you made with Panelspan during the promotional period. You will be required to pay the minimum monthly repayments as you would with any standard credit card purchase. Other transactions made with your credit card will incur interest charges. Upon expiry of your interest free* period, any remaining balance will revert back to the cash advance rate of 25.99% p.a.

What does interest-free* payment deferred mean?

As well as having the advantage of not being charged any interest on your promotional purchase for the specified promotional period, you don't need to make any repayments towards that purchase for the deferred period of the promotional purchase. Some retailers call this, 'Buy now, Pay later'. Payments will be required once the payment deferred term has expired. Other transactions including fees and charges will require the minimum monthly repayment amount set out in your credit card statement.

Can I make other interest-free* purchases with my card?

Yes, you can use your card to make additional interest-free* purchases up to your available credit limit. Simply ring your local Panelspan office and ask to have them process an add-on

What is the minimum monthly repayment?

Unless your payments are deferred, the minimum monthly repayment is the higher of $20 or 3% of the outstanding balance at the time your credit card statement is issued. You must pay at least the minimum repayment set out in each statement on or before the due date. The is the date HSBC should receive your payment. You should allow sufficient time for payments to be received and processed by us before the due date.

Terms And Conditions

*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 applicable at the time, which is currently 25.99% p.a, and is subject to change. Monthly repayments are required and calculated at 3% of the outstanding balance or $20, whichever is higher. Lending criteria, terms and conditions, fees, and charges apply and are available on application. Minimum purchase $1000 for 6 month offers. Minimum purchase $2000 for 12, 24, 36 and 60 month offers. Credit provided by HSBC Bank Australia Limited ABN 48 006 434 162. Australian Credit Licence 232595.

45 - 47 Fitzroy St, Tamworth

10 Blackbutt Rd, Port Macquarie

183 Talbragar St, Dubbo

The leisure living home addition specialist.
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If you have any questions about our home improvement products, or you want to request a free quote, don't hesitate to contact the friendly professionals at Picton Bros Panelspan today. We won't be satisfied with our services until you are.