Fee Schedule

Everything you need to know about the Harris Scarfe Value Card, including Credit Limits and Rewards.

Value Plus Credit Card & Value Plus Gold CreditCard

Minimum credit limit: $500

Interest on purchases: 22.9% p.a

Interest free period: Up to 60 days depending on the date of purchase

Minimum repayments: The minimum monthly repayment which is payable by the due date shown on the statement of account

Closing balanceMinimum payment
$1 – $10Balance
$11 – $400$10
Over $4002.5% of Balance

 Annual fee for Gold customers is $60 annually

Value Plus Credit Card

$25 gift card (on approved applications)
Exclusive offers on top of our already great sale prices

Value Plus Gold Credit Card

$25 gift card (on approved applications)

10% discount on all items excluding electrical, whereby a 5% discount applies.
Exclusive offers on top of our already great sale prices

Credit fee and charges

Late Fee

  • A Late Fee of $35 will be charged on each occasion when at least the minimum payment due is not received by the due date as shown on the account statement.

Dishonoured Payment Fee

  • A dishonour payment fee of $20 will be charged to your account on each occasion a cheque paid to the credit of your account is dishonoured by the financial institution on which it is drawn and on each occasion on which payment to the credit of your account made by us under a direct debit authority you have given to us is not paid by the financial institution on which it is drawn.

Payment Handling Fee

  • A payment handling fee of $2.00 will be charged to your account on each occasion you make a payment using a credit card or at Australia Post. Account payments made by credit card will also be charged the merchant service fee charged by our bank. This fee will be calculated between 0.395% and 0.44% depending on the method you use to pay your account by credit card.

Document Copy Fee

  • A fee of $10 will be charged for any statement or docket copy requested by you. This fee does not apply to statements we provide in accordance with Section D of the Credit Contract or dockets provided at time of purchase.

Interest Free Establishment Fee

  • A fee of $25 will be charged, each time an interest free account is opened.

Interest Free Account Keeping Fee

  • A monthly account keeping fee of $2.00 per month will be charged when an interest free account is opened.

Paper Statement Fee

  • A monthly paper statement fee of $2.00 may be charged to your account when a paper statement is generated and posted to you.

Under the contract, we may without your consent change any information contained in the Financial Table (other than increase your credit limit).