Afterpay Australia Loyalty Program (“Pulse by Afterpay”) Terms & Conditions

Pulse Rewards will close on 31 January 2024 as we prepare to launch an exciting new rewards program for all customers shortly after.

These Afterpay Loyalty Program (“Pulse by Afterpay”) Terms and Conditions (“Loyalty Terms”) govern your participation in the Afterpay Loyalty Program (“Loyalty Program”) known as “Pulse by Afterpay” and constitute a legally binding agreement between you and Afterpay Australia Pty Ltd ABN 15 169 342 947 (“Afterpay,” “we,” “us”). Participation in the Loyalty Program is subject to these Loyalty Terms, the Afterpay privacy policy, Afterpay Terms of Service - Australia (“Afterpay Terms of Service”) as well as any other agreements between Loyalty Program participants and Afterpay. Any defined terms contained herein shall have the same meaning as those in the Afterpay Terms of Service. If there is any conflict between the Afterpay Terms of Service and these Loyalty Terms, the terms of these Loyalty Terms shall prevail. If you do not agree to these Loyalty Terms you may not be a part of the Loyalty Program or use any of the benefits of the Loyalty Program. The Afterpay Terms of Service shall apply, if necessary, to resolve any disputes between you and Afterpay related to your participation in the Loyalty Program. 


1. The Loyalty Program


The Loyalty Program is offered by Afterpay and allows customers who qualify pursuant to the Loyalty Program Eligibility Criteria below to participate in the Loyalty Program pursuant to these Loyalty Terms. Participants in the Loyalty Program are eligible for certain benefits if they meet the eligibility criteria outlined below.


2. Loyalty Program Eligibility Criteria


To be eligible to participate in the Loyalty Program, you must: 

  • be a legal resident in Australia; 
  • be at least 18 years old; 
  • have a registered Australian address linked to your Afterpay account; and 
  • maintain an active Afterpay Buy Now Pay Later account ("Afterpay Account") in good standing as determined by Afterpay (acting reasonably) throughout the duration of the Loyalty Program. 

In order to qualify for the Loyalty Program, you must meet the above criteria and confirm your participation through your Afterpay Account. Eligibility Periods (as defined below) will vary depending on whether you are already participating in the Loyalty Program (“Participating Customer”) or you have not previously participated in the Loyalty Program (“New Customer”). If you are already a Participating Customer, you will retain your current Eligibility Periods, and if you are a New Customer, your Eligibility Periods will be determined in accordance with clause 3 below.

Your right to participate in the Loyalty Program, to use benefits of the Loyalty Program and your ability to earn points under the Loyalty Program requires you to have a valid Afterpay Account. 


3. Eligibility Periods and Eligibility Start Date


For New Customers, Eligibility Periods will be from the beginning of the calendar month you signed up to Afterpay and end 6 calendar months after that date, with two Eligibility Periods every calendar year. For example, if you sign up with an Afterpay Account on June 21 2021, your Eligibility Periods will be June 1 to November 30 and December 1 to May 31. Once you confirm your participation in the Loyalty Program, you will be able to participate in the Loyalty Program immediately in accordance with these Loyalty Terms and for the remainder of your first Eligibility Period and subsequent Eligibility Periods, subject to your rights and Afterpay's rights to terminate your participation in the Loyalty Program under these Loyalty Terms.


See Table 1 below for the Eligibility Periods for New Customers.

Sign Up Date                                  Eligibility Periods                                                                                                                                                                                                                                                                                         
November 1 to November 30

  • November 1 to April 30; and

  • May 1 to October 31
  • December 1 to December 31

  • December 1 to May 31; and

  • June 1 to November 30
  • January 1 to January 31

  • January 1 to June 30; and

  • July 1 to December 31
  • February 1 to February 28

    (or last date in February for that calendar year)

  • February 1 to July 31; and

  • August 1 to January 31
  • March 1 to March 31

  • March 1 to August 31; and

  • September 1 to February 28
  • April 1 to April 30

  • April 1 to September 30; and

  • October 1 to March 31
  • May 1 to May 31

  • May 1 to October 31; and

  • November 1 to April 30
  • June 1 to June 30

  • June 1 to November 30; and

  • December 1 to May 31
  • July 1 to July 31

  • July 1 to December 31; and

  • January 1 to June 30
  • August 1 to August 31

  • August 1 to January 31; and

  • February 1 to July 31
  • September 1 to September 30

  • September 1 to February 28; and

  • March 1 to August 31
  • October 1 to October 31

  • October 1 to March 31; and

  • April 1 to September 30
  • Participating Customers: Participating Customers will retain their current Eligibility Periods. 


    4. Benefits


    Once you choose to participate in the Loyalty Program, you will begin in the Gold tier on zero points. 


    You will then earn points during each Eligibility Period based on your behaviour as an eligible customer which, subject to clause 5 (which sets out the impact of your late payments to Tier benefits) , will place you in one of three different tiers: Gold, Platinum and Mint (each a “Tier”). The Eligibility Criteria for each Tier is listed below:

    • Gold: 0 - 99 points
    • Platinum: 100 - 499 points
    • Mint: 500 or more points


    You will receive benefits based on the Tier you qualify for and the points you earn during each Eligibility Period. After your first Eligibility Period as a member of the Loyalty Program, your Tier status for each subsequent Eligibility Period is based on the Tier you qualified for at the end of the preceding Eligibility Period. In addition, if you meet the points threshold during an Eligibility Period to achieve a higher Tier, you will immediately qualify for that higher Tier for the remainder of that Eligibility Period. 


    At the beginning of each Eligibility Period, your points will be reset back to zero.


    How To Earn Points


    Each on-time payment you make on an Afterpay purchase using your Afterpay Account in respect of the original order value above $40: 10 points


    Points from on-time payments start accumulating after enrolment in the Loyalty Program.


    Bonus Points

    • Downloading and logging into the Afterpay app for your Afterpay Account (one time only and only available if achieved on or after 15 June 2021): 20 points
    • Making your second ever purchase using your Afterpay Account (online or in-store, one time only and only available if achieved on or after 15 June 2021): 40 points
    • Making your first in-store purchase using your Afterpay Account (one time only and only available if achieved on or after 15 June 2021): 20 points
    • Making your first purchase using your Afterpay Account from a retailer classified by Afterpay as a small business (online or in-store, once per Eligibility Period): 20 points
    • Making your first purchase using your Afterpay Account from a retailer classified by Afterpay as an ethical and sustainable brand (online or in-store, once per Eligibility Period): 20 points


    Please note, if one of your transactions meets multiple Bonus Points criteria, you will only be awarded the achievement in the Bonus Points category with the highest points offered, and such multiple achievements will not stack. 


    Moving Across Tiers

    During each Eligibility Period, you will earn points that will determine your Tier for the beginning of the following Eligibility Period. You will also be able to access the additional benefits of a higher Tier if you meet the point threshold within the Eligibility Period. Subject to clause 5 (which sets out the impact of your late payments to Tier benefits), you will have the benefits of the higher Tier for the remainder of the current Eligibility Period and also will begin the following Eligibility Period at that new Tier.


    For example, if you are a New Customer who has just joined the Loyalty Program, you will have access to the Gold Tier benefits. If you decide to use these benefits by using 1 of your 3 allocated changes of payment date per calendar year for your Afterpay Account, you will have 2 changes of payment date remaining. Afterwards, you manage to earn 100 points before the end of your first Eligibility Period. You will now have the benefits of the Platinum Tier for the remainder of the first Eligibility Period (including now having up to 6 allocated changes of payment date for the calendar year). Subject to clause 5 (which sets out the impact of your late payments to Tier benefits), you will also begin the following Eligibility Period in the Platinum Tier. 


    Similarly, if you are a Participating Customer who begins an Eligibility Period in the Platinum Tier and subsequently earn 500 or more points in that period, you will have the benefits of the Mint Tier for the remainder of the Eligibility Period where you earned 500 or more points, and subject to clause 5 (which sets out the impact of your late payments to Tier benefits), will begin the following Eligibility Period in the Mint Tier. 


    If you make more than 3 late repayments in any Eligibility Period (between 15 June 2021 and 31 October 2021) or more than 1 late repayment (from 1 November 2021 onwards) to your Afterpay Account, you will be placed in the Gold Tier for the remainder of that Eligibility Period with zero points, regardless of your existing Tier status, and will only be able to resume earning points once the next Eligibility Period begins. 


    Tier Benefits (per 6-month Eligibility Period, except where noted)

    Gold

    • A $5 welcome offer for your first in-store purchase and second purchase (lifetime)
    • Option to change up to three (3) payment dates per calendar year on existing and future Afterpay orders using your Afterpay Account (a delay of up to 7 days for each change of payment date)


    Platinum

    • Access to exclusive retailer offers (1 offer per 100 points earned) 
    • Option to change up to six (6) payment dates per calendar year on existing and future Afterpay orders using your Afterpay Account (a delay of up to 7 days for each change of payment date)
    • Access to retailer gift cards which can be purchased with your Afterpay Account
    • No payment up front on eligible orders of $500 or less using you Afterpay Account, where you satisfy the eligibility criteria below for this benefit


    Mint

    • Access to exclusive retailer offers (1 offer per 100 points earned) 
    • Option to change up to six (6) payment dates per calendar year on existing and future Afterpay orders using your Afterpay Account (a delay of up to 7 days for each change of payment date)
    • Access to retailer gift cards which can be purchased with your Afterpay Account
    • No payment up front on eligible orders of $500 or less using your Afterpay Account, where you satisfy the eligibility criteria below for this benefit
    • First to know about sales from your favourite retailers
    • Increased spending limit of up to $3,000 under your Afterpay Account (if deemed eligible by Afterpay) 


    In addition to the above, you may also be invited to select Afterpay promotions, offers and benefits where additional terms may apply. These additional terms will be provided to you with the promotion, offer or benefit.


    If you are in the Platinum or Mint Tier, and an order using your Afterpay Account is eligible for the no payment upfront benefit, you will be able to activate this benefit and when activated, you will receive a message that you have nothing to pay at the time you complete your order (“no upfront payment feature”). To be eligible for this benefit:

    • you must have been an Afterpay customer for at least one (1) year, being one (1) year from the date of your first Afterpay purchase using your Afterpay Account, whether or not you were a Pulse member throughout that year; and 
    • the total order value must be less than $500 including any taxes, shipping and other charges. 


    The no payment up front feature is only available for a purchase using your Afterpay Account, where your Afterpay Account is accepted as a form of payment by a merchant. In addition, the no payment up front feature is not available on purchases of gift cards using your Afterpay Account.


    With respect to accessing exclusive retailer offers, exclusions may apply and such offers may not be available storewide or sitewide. Offers will only apply if your Afterpay Account is used as the payment method and will be specific to a retailer, and the additional terms and conditions in clause 11 apply. The duration of such retailer offers will be as determined by Afterpay in its sole discretion and may be subject to change. 


    Afterpay may withhold or remove a benefit of the Loyalty Program to the extent that the provision of the benefit or its receipt was in error, fraudulent, illegal, or in breach of these Loyalty Terms or the Afterpay Terms of Service.


    5. Consequences of Late Payments and Your Right to Earn Points


    Consequences of Late Payments


    Your participation in the Loyalty Program, your Tier status and ability to earn points is impacted if you have incurred on your Afterpay account: 

    • three or more late payments between 15 June 2021 and 31 October 2021; or 
    • one or more late payments from 1 November 2021. 


    A ‘late payment’ is explained in the following clause. 


    The table below explains how the Loyalty Program is impacted if you have incurred any late payments as stated above:

    If you have incurred any late payments as stated above: You will:
    Before you enter the Loyalty Program

  • be placed in the Gold Tier;

  • not be eligible to earn any points for your first Eligibility Period;

  • still be entitled to Gold Tier benefits (see ‘Tier Benefits’ above) for your first Eligibility Period; and

  • be eligible to earn points again at the start of the following Eligibility Period (unless you have had a late payment in the current Eligibility Period).
  • While you are in Gold Tier

  • have your points reduced to zero for the remainder of the current Eligibility Period;

  • not be eligible to earn any points during the current Eligibility Period;

  • be eligible to earn points again at the start of the following Eligibility Period; and

  • still be entitled to Gold Tier benefits (see ‘Tier Benefits’ above) for the remainder of the current Eligibility Period as long as you have not already used up those benefits.
  • While you are in any other Tier

  • be placed in the Gold Tier and have your points reduced to zero for the remainder of the current Eligibility Period;

  • not be eligible to earn any points for the remainder of the current Eligibility Period;

  • be eligible to earn points again at the start of the following Eligibility Period; and

  • still be entitled to Gold Tier benefits (see ‘Tier Benefits’ above) for the remainder of the current Eligibility Period as long as you have not already used up those benefits.
  • Late Payments


    A late payment is any payment of an installment that is not processed on or before the due date in accordance with your payment schedule, regardless of whether any late fee is charged subject to the exceptions described below. 

    A payment will not be treated as a late payment for the purposes of the Loyalty Program if the late payment is a result of our error or systems failure.


    In addition, if the payment of an instalment is overdue but later the status is changed to non-overdue for any other reason in accordance with the Afterpay Terms of Service or with our agreement (including, without limitation, due to a date change or if a late payment is waived due to a return) Afterpay will take all reasonable steps to revert the status of such payment, so it is not a late payment for the purposes of your participation in the Loyalty Program. However, there may be some limited circumstances, where our systems cannot automatically identify a changed status for a late payment, for example if you return an order before we reverse a late payment for the purposes of your participation in the Loyalty Program.  


    If you consider we have incorrectly failed to record that a late payment is a result of our error or systems failure or we have failed to change the status of an overdue instalment to non-overdue for any other reason stated above and that late payment affects your Tier status or right to earn points under the Loyalty Program, please contact us and where appropriate, provide us with a copy of the relevant records. We will then rectify your rights under the Loyalty Program, where we have failed to dis-apply the late payment for the purposes of your participation in the Loyalty Program. 


    We may also agree not to treat a payment of an installment as a late payment for the purposes of the Loyalty Program for any other reason.


    6. Our relationship


    (a) Consumer Rights

    As a consumer, you have certain rights under consumer protection legislation (“Consumer Rights”). These Consumer Rights include:


    (i) statutory guarantees under the Australian Consumer Law that goods will be of acceptable quality, match their description and be fit for any purpose made known to the consumer, and that services supplied will be provided with due care and skill and be reasonably fit for any specified purpose. When a statutory guarantee is breached, consumers are entitled to a range of remedies including, in some cases, damages for reasonably foreseeable losses; and


    (ii) non-excludable implied warranties that financial services will be provided with due care and skill and that the services and any materials supplied in connection with them will be fit for any specified purpose.


    (b) No warranty

    Subject to your Consumer Rights set out in clause 6(a), we do not give any implied warranties or guarantees.


    7. Limitation of liability


    (a) Nothing in these Loyalty Terms is intended to exclude, restrict or modify any of your Consumer Rights, including by limiting our liability or imposing liability on you in a manner which would be considered unfair under the relevant consumer protection laws. In addition, nothing in these Loyalty Terms excludes or limits our and our related companies liability to you or your liability to us or our related companies for fraud, breach of any law or liability for any claim or demand by any third party against you or us arising out of our or your breach of these Loyalty Terms or our or your breach of any law or the rights of a third party relating to the Loyalty Program and/or its associated benefits of the rights of a third party.


    (b) Subject to your Consumer Rights and clause 7(a) and to the extent not prohibited by law, neither we nor related companies of Afterpay are liable to you and you are not liable to us or related companies of Afterpay for any loss of profit, loss of revenue, loss of business opportunity or indirect or consequential loss, arising under or relating in any way to these Loyalty Terms or the Loyalty Program no matter how arising, and whether in contract, tort (including negligence), or otherwise.


    (c) Subject to your Consumer Rights and clause 7(a) and to the extent not prohibited by law, the aggregate liability of Afterpay and related companies of Afterpay to you and your aggregate liability to Afterpay and related companies of Afterpay for all claims arising under or related in any way to these Loyalty Terms or your use or inability to participate in the Loyalty Program no matter how arising and whether in contract, tort (including negligence), or otherwise will not exceed the amount AUD$500.


    (d) Without limiting your Consumer Rights and to the extent not prohibited by law, we and related companies of Afterpay are not liable to you and you are not liable to us or related companies of Afterpay where the other party's acts or omissions cause or contribute to the loss or damage or where the other party (or where Afterpay is the other party, Afterpay or its related companies) fails to take reasonable steps to mitigate the loss arising.


    8. Indemnification


    1. You are responsible to Afterpay and any related companies of Afterpay and must indemnify them to the extent they are involved in the provision of the Loyalty Program and/or its associated benefits for any loss, costs (including reasonable legal fees), expense or damage they suffered or incurred in connection with any claim or demand made by any third party due to or arising out of your breach of these Loyalty Terms, or your breach of any law or of the rights of a third party relating to your use of the Loyalty Program and/or its associated benefits. 
    2. Your liability under clause 8(a) will be reduced proportionately to the extent that Afterpay or, any related companies of Afterpay: (i) caused or contributed to the relevant claim, demand, loss or damage; or (ii) failed to take reasonable steps to mitigate the relevant claim, demand, loss or damage.
    3. For the avoidance of doubt, this indemnification obligation will survive these Loyalty Terms and the termination or suspension of your participation in the Loyalty Program.


    9. Loyalty Program Changes


    We may vary these Loyalty Terms at any time. Where the variation is material and/or to your detriment (so it is to your benefit or is neutral), we will provide you with at least 30 calendar days’ prior personal notice of the variation. If you do not wish to be bound by the variation, you are free to terminate your participation in the Loyalty Program without penalty or additional fees, within the applicable notice period. 


    See clause 9 of the Afterpay Terms of Service for how we provide personal notice. In addition to personal notice, we may also place the notification as pop-ups in the app and/or with a banner on the Website. 


    There may be instances beyond our reasonable control where we cannot give you prior notice, for example, where we are instructed by a regulator to implement a change immediately. We will personally notify you of the change as soon as we can. Where the variation is not material and/or to your detriment (so it is to your benefit or is neutral), we may notify you by any means (including by pop-ups in the app and/or with a banner on the Website) after we have made the change or not give you any notice (for example, where the change is immaterial).


    10. Suspension and termination


    (a) Suspension or termination of your Afterpay Account

    If your Afterpay Account is suspended under the Afterpay Terms of Service, your rights to participate in the Loyalty Program are suspended for the period of the suspension of your Afterpay Account. Your Loyalty Program also terminates on termination of your Afterpay Account under the Afterpay Terms of Service.


    (b) Other circumstances when we can terminate your participation in the Loyalty Program

    (i) We may immediately terminate your participation in the Loyalty Program, without prior notice to you, for the following reasons:


    (A) we reasonably consider it necessary to do so in order to prevent any unlawful activity, including without limitation, fraud; or


    (B) we are required to or instructed by a regulator, enforcement officer or court of law; or


    (C) you have breached these Loyalty Terms in a material respect; or


    (D) you have breached the Loyalty Terms and you fail to remedy the breach within seven (7) days of our personal notice to you requesting you to remedy the breach.


    We will provide personal notice of such termination.


    (ii) Other than as set out in clause 10(b)(i) above, we may discontinue the Loyalty Program and terminate your participation at any time for any reason by providing you with 60 days’ prior personal notice. For how we give personal notice, see clause 9 of the Afterpay Australia Terms of Service.


    (c) When you can terminate your Loyalty Program

    You may terminate your participation in the Loyalty Program at any time and for any reason by contacting us at help.afterpay.com or notifying us by way of a conversation in the Afterpay app. This includes, without limitation, if any modification of these Loyalty Terms is unacceptable to you or if Afterpay is in breach of these Loyalty Terms. 


    Your rights to use benefits cease when your participation in the Loyalty Program terminates for any reason including without limitation where your Afterpay Account terminates.


    11. Additional Terms and Conditions


    Participants in the Loyalty Program are responsible for any and all tax liabilities or consequences associated with their participation in the Loyalty Program that apply to them, including but not limited to those which are payable to Retailers and Third Party Suppliers.


    To the extent that clause 7 or 8(a) gives rights to related companies of Afterpay, Afterpay contracts as trustee of the rights given to that person.


    You may also be invited to select Afterpay promotions, offers and benefits where additional terms may apply. These additional terms will be provided to you with the promotion, offer or benefit.


    12. Privacy


    By participating in the Loyalty Program, you agree to Afterpay’s collection and use of your personal information and acknowledge that you have read and accepted Afterpay’s Privacy Policy, located at https://www.afterpay.com/en-AU/privacy-policy. In addition to any use outlined in Afterpay’s Australian Privacy Policy, Afterpay may also use personal information for promotional, marketing, publicity, research and profiling purposes, including sending electronic messages or telephoning you.


    13. Waiver


    The waiver by either Afterpay or you of a breach of any provision of these Loyalty Terms by the other party shall not operate or be construed as a waiver of any other or subsequent or preceding breach by the other party. Afterpay’s or your failure to enforce any provision of these Loyalty Terms in a given circumstance does not constitute the waiver of such provision. No waiver by Afterpay or you of any right under the Loyalty Program shall be construed as a waiver of any other right. Neither Afterpay nor you shall be required to give notice to enforce adherence to these Loyalty Terms.


    14. Notices


    Please refer to clause 9 of the Afterpay Terms of Service of how we provide personal notices to you, and how you can provide notices to us.


    15. Governing Law and Jurisdictions


    These Loyalty Terms are governed by the law in force in New South Wales, Australia. Each party irrevocably submits to the non-exclusive jurisdiction of courts exercising jurisdiction in New South Wales, Australia.


    16. Questions


    If you have any questions about the Loyalty Program, please contact us at help.afterpay.com.  


    PLEASE RETAIN A COPY OF THESE LOYALTY TERMS FOR YOUR RECORDS AND PLEASE CHECK THIS PAGE FOR ANY CHANGES TO THESE LOYALTY TERMS.