#1. Available on selected transactions of $1000 or more made at independent Joyce Mayne® franchisees between 01/03/26 and 30/06/26. Approved customers only. Total amount is payable by 60 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 and Apple products. Excludes brands and products that are purchased by customers directly from suppliers at Joyce Mayne® franchisee stores.

#3. From 01/03/26 to 30/06/26, customers who purchase products from a Harvey Norman®, Domayne® or Joyce Mayne® franchisee using the Latitude 60 Months Interest Free offer (as described above in #1) with a purchase price of $1000 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.joycemayne.com.au/gift-cards-terms-and-conditions.  The applicable Gift Card value is based on the purchase price of the Eligible Purchase: 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.