Key Facts

This information sheet is an Australian Government requirement under the National Consumer Credit Protection Act 2009

Description of Harris Scarfe Value Plus Credit Cards
Product name Value Plus Gold Credit Card Value Plus Credit Card
Minimum credit limit $500.00
Minimum repayments If your closing balance is less than $10.00, your minimum payment is your closing balance. Otherwise, it’s the greater of:
  • Any amount by which the closing balance exceeds the credit limit
  • For balances less than $400.00 minimum payment $10.00
  • For balances greater than $400.00 2.5% of the closing balance
Interest on purchases 22.9 % p.a.
Interest-free period Up to 60 Days on purchases
Annual fee$60.00 per yearNil
Late payment fee$35.00

There may be circumstances in which you have to pay other fees. A full list of current fees applicable to this credit card can be obtained from

 For more information on choosing and using credit cards visit the ASIC consumer website at The terms on which this credit card is offered can change over time. You can check if any changes have been made by visiting or by contacting us on 1300 131 444