1. Eligibility

• This promotion is available to customers who successfully settle a personal, vehicle, or leisure loan through iCREDIT.

• Referrals must be made by an existing iCREDIT customer or business partner.

• The referred applicant must be a new customer to iCREDIT.

2. Gift Card Value

• Loans settled with a minimum loan amount of $15,000 or more will receive a $300 Gift Card.

• Loans settled with a loan amount between $5,000 and $14,999 will receive a $150 Gift Card.

• Loans under $5,000 do not qualify for this promotion.

• A maximum of one Gift Card is payable per settled loan, regardless of the number of applicants or referrers.

3. Payment of Gift Cards

• Gift Cards will be issued within 30 days of loan settlement.

• Cards will be sent to the referrer’s nominated postal or email address.

• Gift Cards are subject to the terms and conditions of the issuing retailer or provider.

• iCREDIT is not liable for lost, stolen, damaged, or expired Gift Cards once issued.

4. Best Rate Promise

• iCREDIT’s Best Rate Promise applies to like-for-like loan quotes only.

• To qualify, customers must provide a written loan quote that includes:

  • Loan amount

  • Loan term

  • Interest rate

  • Applicable fees and charges

  • Repayments

  • Lender name

• iCREDIT will attempt to match or beat the quoted rate. If unable to do so, the customer may still be eligible to receive a promotional gift (as advertised at the time).

5. Referral Conditions

• The referred customer must successfully settle a loan for the referrer to qualify for the Gift Card.

• If a loan is cancelled, refinanced, or repaid within 30 days of settlement, the Gift Card will not be issued (or may be revoked).

• Referrers can make multiple referrals; however, each referral must result in a settled loan to qualify.

• Self-referrals, duplicate referrals, or referrals made with fraudulent intent will not be accepted.

6. Exclusions

• Not available for existing loans refinanced through iCREDIT.

• Not valid in conjunction with any other promotional offer unless otherwise stated.

• Fleet, business, or wholesale loans may be excluded at iCREDIT’s discretion.

7. Tax Implications

• Gift Cards may be considered a taxable benefit. It is the recipient’s responsibility to declare and manage any tax obligations.

8. Privacy

• By participating, the referrer and referred party consent to their details being used by iCREDIT for the purposes of administering this promotion, in accordance with iCREDIT’s Privacy Policy.

9. Responsible Lending

• All loan applications are subject to lender approval criteria, responsible lending obligations, and verification of information provided.

10. Limitation of Liability

• To the maximum extent permitted by law, iCREDIT is not responsible for any loss, damage, or injury suffered as a result of accepting or using the Gift Card, except for liability that cannot be excluded by law.

11. Promotion Period

• This promotion commences on [insert start date] and will continue until withdrawn by iCREDIT.

• iCREDIT reserves the right to amend, suspend, or withdraw the promotion at any time without notice.

12. Governing Law

• These Terms & Conditions are governed by the laws of Queensland, Australia.

13. Contact

For questions regarding this promotion, please contact:
iCREDIT Customer Service
📞 1300 350 118
📧 admin@icredit.net.au