Finance

6 Months
12 Months
24 Months
WHY
A little extra breathing space for 6 months, at no extra cost Paws your payments, with nothing to pay for 12 months! Breathe easy with 2 years interest free, and nothing to pay for the first 12 months.
MINIMUM SPEND
$200
MAXIMUM SPEND
Up to $30,000 (Lending Criteria applies)
REPAYMENT AMOUNT
No Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater). There are no early repayment fees. No payments except for the first 12months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
FEES
No Fees NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
SET-UP CHARGE
No set up charge NO 0%
SET-UP CHARGE
qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz
FULL TERMS & CONDITIONS
*No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until further notice. Minimum spend $200. Annual Account Fee of $50 applies.Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs apply. Rate correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. *No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases for in-store purchases only until further notice. Minimum spend $200. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 12 months (“Further Interest Free Period”) is available on Flexi Payment Plans & Flexi Purchases for instore purchases only until further notice. Minimum purchase $200. Annual Account Fee of $50 applies. Establishment fee of $55 applies to new cardholders. Advance fee of $35 applies to existing cardholders. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the Further Interest Free Period. Paying only the minimum monthly payments will not fully repay the loan before the end of the Further Interest Free Period. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the Further Interest Free Period. Lending criteria, fees, Ts&Cs apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. An HRV Surcharge of 3% applies.

These Long-Term Finance Offers are available on the following on the following cards:

Q CARD

Description

Interest Free Flexi Payment Plans:

Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period e.g. 12 months interest free

Description

A period of time during which no payments are required to be made e.g. no payments & no interest for 6 months.

Customer Fees:

$50 Annual Account Fee applies, paid in 6 monthly instalments ($25 applied on opening and every six months thereafter). New Cardholder fee – $55 Establishment. Existing Cardholder fee – $35 Advance. Standard Interest Rate, currently 25.99% p.a. or 22.95% p.a. (depending on your card) applies to any outstanding balance at end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.
PAYMENT TERM DESCRIPTION SURCHARGE
6 6 Month PMT Hol Int Free 0.00%
12 12 Month PMT Int Free 2.50%
18 18 Month PMT Int Free 4.50%

GEM VISA

Description

$50 Annual Account Fee applies, paid in 6 monthly instalments ($25 applied on opening and every six months thereafter). New Cardholder fee – $55 Establishment. Existing Cardholder fee – $35 Advance. Standard Interest Rate, currently 25.99% p.a. or 22.95% p.a. (depending on your card) applies to any outstanding balance at end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.
PAYMENT TERM DESCRIPTION SURCHARGE
6 months interest free GEM VISA 0%
12 months interest-free GEM VISA 2%
6 months interest free GEM CREDIT LINE 0%
6 months interest free GEM CREDIT LINE 0%
12 months interest free GEM CREDIT LINE 2%
18 months interest free GEM CREDIT LINE 4%
24 months interest free GEM CREDIT LINE 7.5%
12 months Deferred GEM VISA 3.5%
12 months Deferred GEM CREDIT LINE 3.5%