Is This a Word Game? Purple Visa Card $300 Back Offer

Angelayaj on 14/05/2025 - 17:11
Last edited 14/05/2025 - 20:20 by 1 other user

Hey everyone,

Just wondering if anyone else had the same experience as me with the Purple Visa Card $300 back promotion by purchasing from Noel Leeming.

The deal says you get $300 back when you spend $500+ on smartphones, gaming, protection or tech services, using 12 months interest free with a new Purple or Gem Visa.

I met all the conditions — I’m a new customer, spent over $500 on eligible items, used the right credit card — but chose the 6 months interest free option instead of 12 months when placing the order online, and was later told I no longer qualify for the $300 credit.

Nowhere in the checkout process did it clearly say that picking anything other than 12 months would disqualify me from the cashback. The fine print is buried in the T&Cs, but isn’t this misleading?

Feels like a bit of a word game to avoid honouring the deal.

Has anyone else run into this? Did you manage to get it resolved?

Thanks in advance!

General Discussion Credit Card

Related Stores

Noel Leeming
Noel Leeming

Comments

Best
Search through all the comments in this post.
  • Angelayaj on 28/05/2025 - 09:51
    +2

    Hi, thank you everyone for leaving a message here, especially thanks to @Doofus1237. As Doofus has pointed out, the initial promotion wording clearly says "with 12 months interest free", rather than the later altered "when you apply and spend on 12 months interest free". "With 12 months interest free" sounds like a bonus offer to me.

    I sent out an email to Purpler Card, and waiting for their reply now.

    I will post the progress here. Hopefully, this can help anyone who has a similar experience to mine.

    Cheers

  • Doofus1237 on 21/05/2025 - 19:06
    +1

    Copying my response to you on the other thread:

    Sorry for taking so long in replying to your thread - I hope you haven't cancelled your order, because you might have some grounds to argue that the T&Cs were misleading (you may wish to bring in Section 9 of the Fair Trading Act).

    The original wording on the deal itself said "with 12 months interest free" but in the context of the whole offer, it seems as though this is more of an element of the offer itself, rather than a prerequisite

    Even Noel Leeming themselves changed the wording in subsequent offers. They may have deemed it to be too ambiguous - which it was. Instead of saying "with 12 months interest free" it changed to "when you apply and spend on 12 months interest free" - but on the first offer, it used the wording of "with"

    I compared this to wording on the PB Tech $300 spend offer, and by contrast they were very clear about what the requirements were - 1. Opening a Purple Visa Account, 2. Spending more than $500 on tech, 3. Spending on 12 months interest free. This wasn't here on the first offer.

    Because you could reasonably interpret that wording of "with" as an element of the offer, rather than a prerequisite - the legal principle of contra proferentem applies here - the interpretation goes against the drafter. Noel Leeming, as a large corporation with decades of experience and lawyers on hand should realistically make their wording clearer.

    I have records of PB Tech's wording, and the original wording of the offer on hand if you needed.

    Please do your own research on the above and form your own opinion - but I believe that the phrasing of the T&Cs might be confusing. Keep this forum updated,

    All the best

    (Note: here is the wording of the PB Tech offer. You can see that they breakdown the requirements so it is much clearer what you need to do, rather than phrasing it as "With 12 months interest free": https://www.pbtech.co.nz/fileslib/_20250417094138_PVC-Acquis…)

    The original T&Cs are missing from their page, likely as it has been some time - but I have a record of them if you can send me a message (or reply to this thread).

    • Jekakah on 21/07/2025 - 09:22

      Can you please share the original T & C's with me?

  • Balmoral Rd on 18/05/2025 - 14:48

    I just used it as a normal CC, does this mean I don't get the credit?

  • Alan6984 on 18/05/2025 - 16:58

    I just used it as a normal CC, does this mean I don't get the credit?

    Just going on what is posted in the original deal:

    The deal says you get $300 back when you spend $500+ on smartphones, gaming, protection or tech services, using 12 months interest free with a new Purple or Gem Visa.

    If you don't choose the 12 month interest free option, then I'd say you don't get the $300 credit… but I could be wrong.

  • Jekakah on 21/07/2025 - 09:20

    I'm in the same boat - I don't even know at what point I selected 6 months - was it when I applied or at the shop? Do you recall when you did it Angelayaj? I am currently composing an email, how did you get on?

    • Doofus1237 on 21/07/2025 - 11:51

      I had this problem with NL a while back but i reached out and got it sorted - i selected 6 months as well but they honoured the deal.

      I also sent some resources + photos to Angela to help her prove that the wording was unclear and misleading. Shoot me a PM and i can send them to you as well

      • Jekakah on 21/07/2025 - 15:18

        Thanks so much for your reply, apparently I can't send you a message as my account here is less than a day old - but I will try again tomorrow.

        Curious, was it Noel Leeming or Gem you dealt with for a resolution?

        • Doofus1237 on 22/07/2025 - 08:39

          I dealt with Noel Leeming, GEM visa were completely useless. However, there was a lot of bouncing back and forth between NL and Gem Visa - extremely tedious and annoying.

  • thesnek on 21/07/2025 - 11:09

    Interesting to see Noel Leeming is getting into a bit of trouble with the commerce comission:
    https://www.rnz.co.nz/news/business/567524/noel-leeming-crim…

  • blurtie on 21/03/2026 - 16:02

    Sorry to bring up an old post - but it looks like NL/Purple Visa are doing a similar promotion - but with audio/gaming.
    From previous posts it seems like it hasn't quite been so easy to claim the $300 cash back? Can anyone who's done this deal confirm or provide details of their experience??
    Keen to understand how long the cash back took to appear in the account and whether once that's been paid, if you can just pay off the balance and close the card?
    TIA

    • Everettpsycho on 21/03/2026 - 20:43
      +1

      I did it last year and took a couple of months to come through. I would keep the credit running until you get the $300 cashback as it is credited to your account not to you. I don't think there's anything stopping you paying it off once the cash ack arrives though.

      Worth noting they are changing their terms soon to be paying fees every 6 months not annually so you would want to cancel sooner.

      I've just kept the interest free running on my purchase as free interest beats my mortgage interest rate but will be paying it off next week to shutter the account before the account renews at the 12 month mark.

      • blurtie on 01/04/2026 - 11:12
        +1

        Just a bit of an update for those who might be lurking here - can confirm I've now received the $300 credit in my account! Surprised by how quickly it was processed. Purchased the Switch on the 24th of March, credit on the 31st…

        Will make sure to pay the balance and close account before the 6 month mark so I don't get charged the account renewal fee..

        • Royalemasters on 01/04/2026 - 11:55

          Ah i feel like i shoud've jumped the gun and done the deal too. Well hope it comes back around soon, a switch for little over 500 seems like a great deal!

          • blurtie on 01/04/2026 - 12:24

            @Royalemasters: Yes, pretty happy with the deal! Although it was just over the 600 mark as I bought the Mario Kart bundle and the $55 establishment fee made it a $245 credit in reality. Still, not bad at all!

      • blurtie on 21/03/2026 - 21:56

        Thanks!

        Might try my luck and roll the dice.. got my eye on a Switch 2 for me boys…

        • Everettpsycho on 22/03/2026 - 11:34

          Exactly what I got as a preorder. Figured $300 credit wouldn't likely be beaten and if anything console prices will be heading up once Nintendo exhausts current supply chain chips. I'm don't anticipate they will just eat the increased ram and storage prices forever. Mad how it's now best to buy at launch instead of waiting for prices to come down over time like they used to.

          • blurtie on 22/03/2026 - 19:50

            @Everettpsycho: So dumb question, I just applied for an account/card and it's all been approved and everything - they're sending out the card.. Does this mean I have to wait for the physical card to arrive before I can use it?
            Have logged into the emoney app and my card numbers are blocked out apart from the last 4 digits..
            Bit dumb if I have to wait for the physical card before using it as the deal finishes on the 24th… Ugh

            • Everettpsycho on 22/03/2026 - 20:53
              +2

              @blurtie: If it's at noel leeming buying on interest free I think there's an option to pay with your account instead of the card. I didn't have the card when I did it.

              • blurtie on 23/03/2026 - 10:01

                @Everettpsycho: Cool, thanks! Had to go through the website rather than the app to get the option to pay with the interest free option!

                • Royalemasters on 23/03/2026 - 13:15
                  +1

                  @blurtie: You could try and price match to harvey norman as well and see if that works.

                  • blurtie on 24/03/2026 - 14:56

                    @Royalemasters: Thanks! Good spotting in true cheapies fashion! I did try the price match, but got told the 'bonus' items would be removed.. so that meant no cashback.

                    Pulled the trigger and made the purchase on the Purple Visa.. despite saying it wasn't available for a few days at my local NL store, got an email to say it's already ready for pick up!!

  • Zyo on 21/07/2025 - 12:24
    -1

    Isn't their fee like 110 so you'd just be getting 190 going through all the trouble of applying?

Login or Join to leave a comment
Login Join