In this guide

  • Our verdict
  • Details
    • Product details
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
Terms and conditions apply
Purchase rate
25.9% p.a.
Annual fee
$59.4 p.a.

Our verdict

Offers a way to shop interest-free at Apple both in-store and online, with a $4.95 monthly account fee when your balance is above $10.

CreditLine offers interest-free finance options at Apple, which could be useful if you need to make big purchases at Apple but don’t have enough savings to pay for it all at once. Similar to other interest-free finance products, the length of the 0% interest period varies based on the offer. For example, you can currently get 0% interest for 6 months if you spend at least $150 at Apple in-store or online, up to 0% for 24 months if you spend over $600. But keep in mind that an interest rate of 25.9% p.a. applies if you don’t pay off the entire purchase by the end of the promotional period.


  • Offers 0% interest offers on purchases of $150 or more at Apple
  • Monthly fee is refunded when your outstanding balance is less than $10
  • Includes flexible payment options


  • No rewards program or perks
  • Very high interest rate on purchases & cash advances

In this guide

  • Our verdict
  • Details
    • Product details
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
From 24 April 2024, the late payment fee will increase from $35 to $45. The payment handling fee (online) will also increase from $0.95 to $1.95.


Product details

Product Name CreditLine
Purchase rate p.a. 25.9%
Interest-free period 0 interest free days
Cash advance rate p.a. 25.9%
Min credit limit $1,000


Bonus points N/A


Annual fee $59.40
Minimum monthly repayment 3% of the closing balance or $25, whichever is greater
Late payment fee $35
Cash advance fee 3% or $3, whichever is greater
Number of additional cardholders 1

How to apply

You can apply for CreditLine online or in-store at Apple when you're taking out a 0% p.a. interest payment plan. To get started, check that you meet the following eligibility criteria and have all the documents and details needed to complete the application.

Eligibility criteria

  • Residency. Australian citizens and permanent residents are eligible to apply.
  • Credit history. You should only apply for this card if you have a clean credit file. You can check your credit score for free through Finder.

Card benefits

  • Interest-free payment plans. These plans depend on how much you're spending at Apple. The offers can also vary over time, but as an example you could get:
    • 0% interest for 6 months on purchases from $150 - $299
    • 0% interest 12 months on purchases from $300 - $599
    • 0% interest 24 months on purchases of $600 or more
  • Shop as soon as you're approved. You don't need to wait for your physical card to arrive. If you're approved, you can shop in an Apple Store by showing them your approval email and driver's licence (or alternative ID). You can also shop with Apple online by finding what you want to buy, then calling Apple on 133 622 so they can place the order for you.

Rates & fees

  • Monthly fee. The CreditLine credit card charges a monthly account service fee of $4.95. This will be waived if your balance is less than $10. If you pay the monthly service fee each month, it would add up to $59.40 over a year.
  • Purchase rate. Outside of any promotions, this card has a 25.9% interest rate for purchases.

Compare other credit cards with instalment plans

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Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee Interest-free period
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0% for 6 months, then 19.99%
Up to 55 days on purchases
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Credit Union SA Education Community Credit Card
0% for 6 months, then 11.49%
0% for 6 months, then 11.49%
Up to 55 days on purchases
Save with an ongoing $0 annual fee and 0% p.a. interest on purchases, balance transfers and cash advances.
NAB StraightUp Card
Save with 0% p.a. interest charges and 0% foreign transaction fees. Plus, $0 monthly fees when you don't use the card or carry a balance.

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May 25, 2017

Are pensioners with a good record accepted?


Harold Jacob Finder

May 26, 2017

Hi Sonia,

Thank you for your inquiry.

If you’re referring to CreditLine interest-free payments, the answer is yes. They can accept pensioners. However, you must ensure you meet their eligibility criteria:

  • You must be at least 18 years old.

  • You must be a permanent resident of Australia.

Aside from CreditLine, you can check our list of pensioner loans. On that page, there’s a table that you can compare your options. Read through the page, learn more about your loans, and select the “Go to site” button of your chosen lender.

I hope this information has helped.



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