What is an Interest Free Term?
A period during which no interest accrues on your Once account balance. Interest is only payable on any balance still outstanding after the Interest Free Term ends, at the Standard Variable Rate.
What is a deferred payment?
A period where repayments aren't required initially — no interest is charged on a Once account during a deferred payment period.
How do I activate my Once Visa card?
Call 13 ONCE (13 6623) or log into Online Access to activate your card.
Can I make additional purchases on my Once account?
Yes — at participating retailers, or through standard purchases with your card.
What's the maximum credit limit?
You can apply to borrow up to $30,000. Eligibility is subject to lending criteria and a credit assessment.
How do I increase my credit limit?
Contact customer service on 13 ONCE to submit an application.
Can I make cash withdrawals?
Yes, but cash withdrawals don't qualify for the 55-day Interest Free Term and attract standard interest rates plus fees.
Do cash withdrawals affect Interest Free transactions?
No — they don't impact any existing interest-free purchases on your account.
Can I access my Once account online?
Yes, once you've registered with customer service.
What if my Once Visa card is lost or stolen?
Call 13 ONCE immediately, or the Visa Card Hotline on 1800 648 027.
How can I make repayments?
By direct debit from your nominated bank account, or via BPAY or POSTbillpay, on a monthly basis.
When are repayments due?
Your first repayment is due 55 days after your Once account is opened, and then every month after that.
How do I know when a payment is due?
A monthly statement arrives two weeks before each payment is due.
What if I can't make a repayment?
Contact customer service immediately on 13 ONCE.
How do I cancel my Once account?
Once the account is paid in full, you can request closure via 13 ONCE.
Am I eligible for Once Credit Protection Cover?
You need to be applying for or holding a Once account, an Australian resident, aged 18–60, and working 20+ hours a week.
What does Once Credit Protection Cover provide?
Three types of cover: Life cover, Accident & Sickness cover, and Involuntary Unemployment cover.
What does Accident & Sickness cover include?
It covers repayments if you're unable to work for 30+ days — up to 6% of your outstanding balance, capped at $4,000 a month, for up to 36 months.
How does Involuntary Unemployment cover work?
It covers repayments during involuntary unemployment lasting 30+ days — up to 6% of your outstanding balance, capped at $4,000 a month, for up to 6 months.
What is the monthly premium?
$0.45 per $100 of your outstanding Once account balance each month — it appears as a line item on your statement, and no premium applies if your balance is zero.