Credit and Rewards.
That's Value Plus.

Apply now for a Harris Scarfe Value Plus Card and be rewarded with a $25 gift card upon approval and up to 60 days interest free credit! Cardholders are rewarded with exclusive offers throughout the year that can be used on top of our already great sale prices.

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Harris Scarfe Value Plus Card At A Glance

Be Rewarded

With the Value Plus Card:

  • Up to 60-days interest free credit
  • $25 gift card
  • Exclusive offers on top of our already great sale prices
  • Automatic 12 months extended warranty on electrical items
No Annual Fee
Harris Scarfe Green Card

Get Gold Value

Upgrade to the Value Plus Gold Card and in addition receive:

  • A further 10% off our great sale prices on Clothing, Footwear, Underwear, Homewares and Manchester
  • A further 5% off our great sale prices on Electrical
$60 Annual Fee
Harris Scarfe Gold Card

Select the Value Plus Card that best suits your needs

Value Plus Card

Harris Scarfe Green Card

Value Plus Gold Card

Harris Scarfe Gold Card

Harris Scarfe Value Plus Card | Find Out More

There are numerous ways of paying your Harris Scarfe Value Plus Card Account:

  • In person at any register in a Harris Scarfe store
  • Send a cheque or money order by mail to GPO BOX 4661 Melbourne VIC 3001
  • Direct Debit - Please phone our call centre on 1300 131 444 to arrange for your monthly payment to be made automatically from your bank account
  • BPAY over the phone or Internet. The Harris Scarfe biller code is 24455
  • At an Australia Post Billpay outlet, over the Internet (postbillpay.com.au), by phone 13 18 16 or in person at any Post Office Billpay Code 0509
  • By calling 1300 135 471 using MasterCard or Visa

How to manage your purchases and maintain a good credit history

Harris Scarfe Value Plus and Value Plus Gold Cards allow you to buy now and pay later. As the Harris Scarfe card is a convenient way to shop it can be tempting to overuse it and therefore shop outside your budget.

Knowing how to manage your spending and realising the importance of having a good credit history will help to keep your account in good order. Below are some tips to achieve this.

  1. Be aware of your credit limit so you don't exceed it.
  2. Check your available credit before purchasing. Refer to your statement or contact Harris Scarfe Value Plus Card Team on 1300 131 444 so you know how much credit is available.
  3. Know your payment due date. Refer to your statement or contact Harris Scarfe Value Plus Card Team on 1300 131 444 to ensure your payments are received on time. (Fees and charges apply for late payments - refer to the Value Plus Card Key Facts).
  4. Pay at least the minimum due amount each month. Refer to your statement or contact Harris Scarfe Value Plus Card Team on 1300 131 444 to find out how much this is and when it is due.
  5. Minimise interest charges by paying your statement balance in full each month or the minimum due amount to lessen the interest charge.
  6. Review your monthly statements to ensure all transactions are correct.

How to manage your minimum repayments

Your Harris Scarfe Value Plus and Value Plus Gold Card statement will provide you with the information on how long and how much it will cost you if you only make minimum repayments on your account. Your statement will reflect the minimum amount you need to repay (including arrears) to keep your account in good order. It also includes more information about paying off your outstanding balance by making the minimum repayment each month.

The minimum repayment warning

The table that appears in your statement shows the total time it would take to repay your current balance if you only pay the minimum amount due shown on your statement each month as well as estimating the total interest charges that would be applied to your account over this time.

It also calculates the amount you will need to pay off each month to clear your balance in 24 months (2 years). The calculations reflected in the table in your statement are based on the total interest charges that you would pay in this 24 month period, and how much interest you could save compared to only paying the minimum amount.

The calculations used in the table are based on the closing balance of your statement and assume that you have no further transactions to your account.

When estimating the total time needed to repay your current balance in full and the monthly amount needed to pay off your account in two years, we assume that your statement is issued on the same date each month and that you always make your monthly payment on the payment due date.

Statement table (Example Only)
If you make no additional charges using this Card and each month pay… You will pay off the Closing Balance shown on this statement in about… And you will end up paying estimated total interest charges of…
only the minimum payment 267 months $2919.04
$62.34 24 months $304.72 a saving of $2614.32

This calculation, reflected on your statement, is an estimate only; the actual amounts may be higher or lower. Your Card balance is the outstanding balance on your credit card. It is the closing balance on your last credit card statement, plus any additional money you spent on your Card plus any interest and fees incurred since the end of the last statement period (check your last credit card statement).

If paying only the minimum due each month, you will pay more interest and it will take you longer to pay off your balance.

If you only pay the minimum payments on your account each month, the interest you pay may end up being more than the original debt.

What can you do to pay off your account faster

By regularly repaying more than the minimum amount by the billing date every month you can reduce the amount of interest you pay. The more of your balance that you pay off now, the less interest you will pay.

The following link to the ASIC website provides a calculator to assist you with working out your repayments : Money Smart credit card calculator.

To view the Value Plus Card Key Facts click here.

To view the full Terms & Conditions of the Value Plus Card click here.

To view the details of the Value Plus Card Credit Contract click here

Questions?

Terms & conditions, eligibility and lending criteria apply. For full details view the Harris Scarfe Credit Contact at www.harrisscarfe.com.au.
 Credit services provided by Harris Scarfe Financial Services Pty Ltd Australia Credit Licence: 385088 ABN: 64 130 587 496.
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