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Ends 11/01/26. #1. Available on selected transactions of $750 or more made at independent Harvey Norman® franchisees between 04/12/25 and 31/01/26. Approved customers only. Total amount is payable by 50 approximately equal monthly payments (the exact amount of each monthly payment is specified in your statement). Monthly credit card fee applies (currently $10.95, subject to change). If there is an outstanding balance after the interest free period ends, Latitude customers will be charged interest at the then current expired promotional purchases annual percentage rate by Latitude (currently 29.99% per annum – subject to change). If you miss a payment, late fees will apply and interest may apply. Interest may also be charged on other purchases and transactions made on your Latitude credit card. Visit www.gomastercard.com.au/interest-free-offers for more information on the provision of credit by Latitude.

#2. Excludes purchases of gift cards, mobile phones, gaming consoles, digital cameras and lenses, hot water system supply & installation, Microsoft Surface Studio products, Apple and Harvey Norman Customer Direct products. Excludes brands and products that are purchased by customers directly from suppliers at Harvey Norman® franchisee stores.

#3. From 04/12/25 to 31/01/26, customers who purchase products from a Harvey Norman®, Domayne® or Joyce Mayne® franchisee using the Latitude 50 Months Interest Free offer (as described above in #1) with a purchase price of $750 or more (Eligible Purchase) will be eligible to receive one Harvey Norman®, Domayne® or Joyce Mayne® gift card (Gift Card). Each Gift Card is issued by Derni Pty Ltd, expires 36 months from the date of issue and is subject to the Gift Card Terms and Conditions available at www.harveynorman.com.au/gift-cards-terms-and-conditions. The applicable Gift Card value is based on the purchase price of the Eligible Purchase: spend $750 or more and receive a $75 Gift Card; spend $1,000 or more and receive a $100 Gift Card; spend $2,000 or more and receive a $200 Gift Card; spend $3,000 or more and receive a $300 Gift Card; spend $4,000 or more and receive a $400 Gift Card; spend $5,000 or more and receive a $500 Gift Card; spend $6,000 or more and receive a $600 Gift Card; spend $7,000 or more and receive a $700 Gift Card; spend $8,000 or more and receive a $800 Gift Card; spend $9,000 or more and receive a $900 Gift Card; spend $10,000 or more and receive a $1,000 Gift Card.

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Each other enterprise carrying on business under the name or style including the words “Harvey Norman^®" is operated by another independent franchisee.

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