Now is the time to update the lights and electrical work in your home! This allows you to repay your purchase over 6, 12, 24 months!
Quick & Easy online approval – which means no messy paper documents!
Receive a speedy decision via SMS or Email.
Once approved, you’ll receive a welcome pack via SMS or Email.
The Team at NJP are ready to book you in contact us now 9417 1010.
Anyone can apply for a Lombard card as long as they are;
It is a period of time in which you do not have to pay any interest on your Lombard purchase. Interest is payable on any balance outstanding after the Interest Free Term at the Standard Variable Rate applicable to your Lombard account.
Where a deferred payment period applies, you are not required to make repayments until the end of the deferred payment period. Repayments are only included in the calculation of the Minimum Monthly Payment after the deferred payment period expires. No Interest will be charged on a Lombard account during a deferred payment period.
Yes. The next time you wish to shop and take advantage of an Interest Free offer at participating Lombard retailers, simply have your Lombard account number and ID handy, and present this to the sales consultant. The store will process an additional purchase for you. For all other purchases at non-Lombard retailers, simply swipe/dip your Lombard card and make your purchase to take advantage of our standard Interest Free terms on your Lombard account.
You can apply to borrow up to $30,000. Your eligibility for credit is subject to our lending criteria and a credit assessment.
Yes. You can use your Lombard card to withdraw cash from your Lombard account at any ATM or via EFTPOS. Cash withdrawals do not qualify for the 55 Day Interest Free Term or for any other Interest Free promotional period. Cash withdrawals attract interest at the applicable Standard Variable Rate from the date of the transaction plus cash advance fees.
With the Lombard card, you can withdraw up to $500 a day using an NAB or REDI teller atm. If you use any other ATM, you can still withdraw funds but only up to $490 a day. There is also a $5,000 a day purchase limit when purchasing items through the EFTPOS network.
No. Cash withdrawals will not affect any Interest Free Term or promotional purchase you may have made on your Lombard account.
Please call us on 1300 132 301 immediately. Alternatively you can contact the Visa Card Hotline on 1800 648 027. If you’re going overseas, contact us before you depart and tell us where you’re going so we can give you the Visa Card Hotline number for that country. Otherwise, the general overseas Visa card hotline number is + 61 2 8299 9101.
Your Lombard card may not work overseas if you don’t tell us you are planning on travelling. Please call us on 1300 132 301 to make sure your Lombard card can be used at your destination(s).
Make monthly repayments by direct debit from your nominated bank account, via BPAY or POSTbillpay.
Your first repayment is due 55 days after your Lombard account is opened and then every month thereafter. If your first purchase has a deferred payment period, your first repayment will be due once the deferred payment period ends. Please note that you can choose to start making repayments before they become due.
A statement will be sent to you every month by post or email, two weeks before the payment is due, specifying the due date and the amount due. Your first statement will be sent to you one month after your Lombard account is opened.
Customers who pay out their account before the Interest Free period do not incur an early payment fee. It’s completely up to you if you want to pay the loan out sooner or later.
BPAY payments can be made through your financial institution to repay your Lombard account.
To make a payment via BPAY you will need the following information;
Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchase in stores, within selected apps and participating websites.
Apple Pay works with iPhone 6 and later in stores, apps, and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2, and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see https://support.apple.com/km207105.
No, your card details are not stored on the device or in the Cloud. When a card is added to Apple Pay, a Device Account Number replaces the need for the card number.
The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.
The Device Account Number can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
No, it does not cost you anything extra to use Apple Pay.
The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.
You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.
For security purposes, when a new card is added to Apple Pay we’ll ask you to complete a verification check before it can be used with Apple Pay. We’ll either:‒
Yes, a card can be added to Apple Pay on up to nine different devices but the card will need to be added to each device separately.
Yes, up to eight cards can be added to Apple Pay on a single device. The first card added to the device will become the default card, but you can change the default card.
You can use your device to make a payment using Apple Pay in stores, within apps or on participating websites wherever they see one of these symbols:
Apple Pay transaction under $100 can be made by holding the device up to the contactless reader and authorizing payment using Touch ID, the device passcode or double-clicking the side button on Apple Watch.
For transaction over $100 you might be asked to enter your card PIN in to the retailer’s terminal.
You take the item(s) back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.
If the retailer is able to refund the device used to make the original purchase, you:
You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet app.
Transactions will appear as they normally do on a bank or credit card statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.
Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer. Other features which help to keep your payments secure and safe include:
iPhone and iPad
Payments can only be authorized by using Touch ID (if it is enabled), or by entering the device passcode.
Payments can only be authorized if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detectdeactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.
Please note: you should never share your device passcode, or register more than one person’s fingerprint to Touch ID, while your card is registered to Apple Pay.
The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:
To remove a card from Apple Pay you must follow these steps:
Please note: if you remove your device passcode or Touch ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.
You should contact us straight away so the lost or stolen card can be cancelled and no further purchases made. You should also remove the lost or stolen card from the Wallet app. When the replacement card is issued you will have to add this to Apple Pay.
You should contact us to request that your card be disable for use with Apple Pay. You should also go to iCloud.com and remove your card from Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally.
If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into iCloud.com and remove all cards from Apple Pay remotely. If you do not have the app you should contact us on to request that your card be disable for use with Apple Pay.
*CREDIT APPROVED APPLICANTS ONLY; FEES, TERMS AND CONDITIONS APPLY.
*CREDIT APPROVED APPLICANTS ONLY; FEES, TERMS AND CONDITIONS APPLY INCLUDING A $99 ANNUAL FEE CHARGED ON THE ACCOUNT OPEN DATE AND SUBSEQUENTLY ON THE ANNIVERSARY OF THE ACCOUNT OPEN DATE. UP TO 55 DAYS INTEREST FREE IS AVAILABLE ON ALL LOMBARD 180 CARD PURCHASES (EXCLUDING CASH WITHDRAWALS), WHEN YOU PAY, BY THE PAYMENT DUE DATE, THE AMOUNT IDENTIFIED IN YOUR STATEMENT AS THE ‘OPTIONAL REPAYMENT TO QUALIFY FOR UP TO 55 DAYS INTEREST FREE ON PURCHASES’. 6 MONTHS INTEREST FREE IS AVAILABLE ON ALL LOMBARD 180 CARD PURCHASES OF $250 OR MORE MADE IN ONE TRANSACTION. INTEREST, CURRENTLY 22.99% P.A., IS PAYABLE ON BALANCE OUTSTANDING AFTER ANY INTEREST FREE TERM. CREDIT PROVIDED BY LOMBARD FINANCE PTY LTD ABN 31 099 651 877 AUSTRALIAN CREDIT LICENCE NUMBER 247415 (LOMBARD). LOMBARD® IS A TRADEMARK OF LOMBARD. LOMBARD IS A SUBSIDIARY OF FLEXIGROUP LIMITED.