What is 0% interest?

0% Interest Payment Plans allow you to purchase the items you need with flexible repayment options, catered to suit your budget and lifestyle.

With the flexibility to make extra repayments at any time, you'll receive a clear monthly statement, so there will be no nasty surprise at the end of the 0% interest period.

For more information, visit the GO MasterCard website or download the PDF Fact Sheet

Download Fact Sheet

What do you get?

When you apply for a 0% Interest Payment Plan, you will receive a GO MasterCard, which you can make everyday purchases on. You also earn GO Reward points that you can put towards tech goodies, housewares, entertainment and more.

Features and benefits

  • Buy online or in-store
  • Three 0% Interest Payment Plans – check online to see which plan is available to you
  • Enjoy the convenience of an everyday credit card
  • There is a one-off $25 establishment fee and a monthly $4.95 account keeping fee
  • There is no penalty if you choose to pay out your plan early
  • Interest is only calculated on any outstanding balance at the end of the purchase payment plan and is never backdated

The 0% Interest Payment Plans

minimum monthly + flexible payment
Interest Free

You need to make a minimum payment each month. Remember, paying only the minimum monthly payment will not pay out the balance of the plan early, but you have the flexibility to make extra payments at any time. Plans start from 6 months.

one lump payment
Buy Now, Pay Later

You don’t need to make any payments during the promotional period. However, you can make payments at any time. Plans start from 3 months.

equal monthly payments
Instalment Interest Free

With equal monthly payments, you’ll know exactly how much to pay each month. Plans vary and are only available during select promotional periods.

Click here to read the Terms & Conditions
  • 50 Months Interest Free - with 50 equal monthly payments

    50 Months Instalment Interest Free - No Deposit, No Interest with 50 Equal Monthly Payments until November 2018. Apply in store/online. Available for in store and selected online purchases. Approved applicants only. Fees & charges apply. Interest applies if you do not comply with terms and conditions. Conditions of 50 months instalment interest free until November 2018: Available to approved GO MasterCard customers on transactions made between 11/09/14 and 07/10/14 where the amount financed is $490 or more. Offer available on purchases from Harvey Norman franchisees (excludes gaming consoles, games, Apple and Miele products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman franchisees). Offer available on advertised or ticketed price. Total amount is payable by 50 approximate equal monthly instalments (exact amounts specified in your statement). If there is an outstanding balance after the interest free period ends in November 2018, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.

  • 20 Months Interest Free - without repayments

    20 Months Interest Free - No Deposit, No Interest, No Payments until May 2016. Apply in store/online. Available for in-store and selected online purchases. Approved applicants only. Fees & charges apply. Interest applies if you do not comply with terms and conditions. Conditions of No Deposit, No Interest, No Payments until May 2016: Available to approved GO MasterCard customers on transactions between 11/09/14 and 07/10/14 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman Franchisees (excludes gaming consoles, games, Apple and Miele products. Excludes brands and other products that are offered for sale under agency agreements with Harvey Norman Franchisees). Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends in May 2016, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.

  • 18 Months Interest Free - without repayments

    No Deposit, No Interest, No Payments for 18 Months*1 on Air Conditioning. Approved applicants only. Fees & charges apply. Interest applies if you do not comply with terms and conditions. *1. Conditions of No Deposit, No Interest, No Payments for 18 Months on Air Conditioning only: Available to approved GO MasterCard customers on transactions where the amount financed is $500 or more, between 01/05/14 and 01/05/15. Offer available on purchases from Harvey Norman franchisees. Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.

  • 12 Months Interest Free - without repayments

    No Deposit, No Interest, No Payments for 12 Months*1 on Vacuum Cleaners. Approved applicants only. Fees & charges apply. Interest applies if you do not comply with terms and conditions. *1. Conditions of No Deposit, No Interest, No Payments for 12 Months on Vacuum Cleaners only: Available to approved GO MasterCard customers on transactions where the amount financed is $300 or more, between 01/11/13 and 31/10/14. Offer available on purchases from Harvey Norman franchisees. Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.

  • 12 Months 0% Interest - without repayments

    12 Months 0% Interest - No Deposit, No Interest, No Payments on Cooking Appliances only. Available for in-store or online purchases. Approved applicants only. Fees & charges apply. Interest applies if you do not comply with terms and conditions. Conditions of No Deposit, No Interest, No Payments for 12 Months on cooking appliances only: Available to approved GO MasterCard customers on transactions made between 28/03/14 and 28/03/15 where the amount financed is $300 or more. Offer available on purchases from Harvey Norman franchisees (excludes Miele products. Also excludes brands and other products that are offered for sale under agency agreements with Harvey Norman Franchisees). Offer available on advertised or ticketed price. If there is an outstanding balance after the interest free period ends, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.

  • 12 Months 0% Interest - with payments

    12 Months 0% Interest - with payments. Conditions of No Deposit, No Interest for 12 months: Available to approved GO MasterCard customers on transactions where the amount financed is $500 or more. Offer available on purchases from Harvey Norman franchisees (excludes Apple and Miele products, Gift Cards, Gaming Consoles and Games). Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the balance before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.

  • 6 Months 0% Interest - with payments

    6 Months 0% Interest - with payments. Conditions of No Deposit, No Interest for 6 months: Available to approved GO MasterCard customers on transactions where the amount financed is $300 or more. Offer only available for online purchases from Harvey Norman (excludes Miele products and Gift Cards). Minimum monthly payments must be made during the interest free period, and interest and payments are payable after the interest free period. Paying only the minimum monthly payment will not pay out the balance before the end of the interest free period. If there is an outstanding balance after the interest free period ends, interest will be charged at 29.49%. This notice is given under the GO MasterCard Conditions of Use, which specify all other conditions for this offer. A $25.00 Establishment Fee applies to new approved applicants. Account Service fee of $4.95 per month applies. Also available to existing GE Creditline, GO Business, Gem Visa and Buyer’s Edge customers. Refer to product websites for conditions, fees and charges. Credit is provided by GE Capital Finance Australia (ABN 42 008 583 588), trading as GE Money. Australian Credit Licence 392145.