Once Credit Cards | Reviews & Comparison

Once Credit Cards

Once is a division of financial services group Fexigroup Limited. It specialises in providing credit cards which deliver long interest-free periods on major purchases made anywhere, and even longer interest-free instalment plans for major purchases from participating retailers.

Once is a division of FlexiGroup Limited, a diversified financial services group which issues credit cards under the Once, Lombard, Q Card and Skye brands, as well as offering payment plans and consumer and commercial leasing.

Formed in 1988, with Harvey Norman as one of its first partner businesses, FlexiGroup operates in Australia, New Zealand and Ireland, and is among the top 200 ASX-listed companies.

Credit card products offered

There are two credit card products available from Once, the Once 55 Day Card and the Once Agile Card.

*The Once 55 Day Card is a Visa card giving you 55 days interest free on card purchases. It can be used everywhere that a Visa card is accepted, including at ATMs. And if you shop at any on a long list of participating retailers (e.g. Bob Jane, Beds R Us, Forty Winks, Appliances Online) you can access an instalment plan with up to 48 months interest free.

*The Once Agile Card is a Visa card giving you 55 days interest free on card purchases, but also six months interest free on every card purchase of $250 or more. The ‘over $250’ purchases could include merchandise such as technology, furniture and jewellery, or services and experiences such as travel and holidays. And once again, if you shop at any on a long list of participating retailers you can access an instalment plan with up to 48 months interest free.

Very high interest rates on overdue balances and cash advances

If you can’t repay your purchase balance after 55 days, or after the longer interest-free period you’ve arranged when spending over $250 or via a 48-month instalment plan, you’ll start paying interest at a very high rate, typically 2-3 percentage points higher than the highest rates on standard credit cards.

Cash advances taken from the card will always attract interest at this extremely high rate, charged from the date of the cash advance transaction until the advance is repaid in full.

No rewards points or complimentary benefits

The Once credit cards focus on offering long interest-free periods on purchases, so there are no rewards points or complimentary benefits attached.

Online access

Once and FlexiGroup don’t have retail branches, but credit cards can be managed via online banking.

Apple Pay

Once credit cards compatible with Apple Pay, so you can leave your card at home and pay with your iPhone, or other Apple mobile device.

balance transfer
purchase rate
annual fee
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Once Agile Visa Card
0% p.a. interest for up to 6 months on any card purchases of $250 or more.
0% p.a. interest for up to 55 days on any card purchases under $250.
The power to borrow up to $30,000
More info
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6 months
0% p.a.
then 23.99%
with a 0% fee
6 months
0% p.a.
then 23.99%
$99
ongoing

Q&As about Once Credit Cards from customers

Q: What is Once?

Once is a division of FlexiGroup Limited, an ASX-listed diversified financial services group which issues credit cards under the Once, Lombard, Q Card and Skye brands, as well as offering payment plans and consumer and commercial leasing.

Q: What kind of credit cards does Once offer?

There are two credit card products: the Once 55 Day Card and the Once Agile Card.

The Once 55 Day Card gives you 55 days interest free on card purchases, and up to 48 months interest free on purchases made at Once retail partners. It can be used everywhere that a Visa card is accepted, including at ATMs.

The Once Agile card gives you 55 days interest free on any purchase under $250, six months interest free on purchases of $250 or more, and up to 48 months interest free on purchases made at Once retail partners. It can be used everywhere that a Visa card is accepted, including at ATMs.

Q: What are the Once cards interest rates?

Once the interest-free periods have expired, the interest rate applied to any unpaid balance is extremely high, much higher than even a high interest rate on a standard credit card. This very high interest rate also apples to cash advances.

Q: Do the Once cards offer rewards points or complimentary benefits such as travel insurance?

No. The cards focus on long interest-free periods, so there are no rewards points or complimentary benefits on offer.

Q: Do Once or FlexiGroup have branches for over-the-counter transactions?

No. But you can manage your credit card via online banking.

Q: Can I manage my Once cards via online banking?

Yes.

Q: Are Once credit cards compatible with Apple Pay?

Yes.

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