Terms & Conditions

Finance offers available through Q Card / Q Mastercard for 3 years (36 months) Interest Free throughout December 2024. Specific terms outlined below.

*Q Card / Q Mastercard Terms and Conditions:

3 years (36 months) interest free is available on Long Term Finance (LTF) for in-home purchases only until 31/12/2024. Min spend $750. Lending criteria, $50 annual Account Fee, fees, T&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these T&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Don’t have a Q Mastercard? Enquire here here - qcard.co.nz

*Purple Visa Terms and Conditions:

3 Years (36 months) interest free is available for purchases on $750 and over using Purple Visa Card until 31/12/2024. Purple Visa Card Terms and Conditions, credit criteria and Rates and Fees (including a $55 establishment fee and a $55 annual fee) apply. Prevailing interest rate 26.65% p.a. will apply to any outstanding balance at the expiry of the interest free period and Cash Advance rate of 29.40% p.a. also applies (both current as at 1 April 2024). Minimum monthly payments (3% of the outstanding balance or $20, whichever is the greater) and any charges eligible for deferred payment will not apply until expiry of any Deferred Payment Plan but must be made during the Interest Free Term. If you make only the minimum monthly payment, you may not pay off your purchase before the expiry of the Interest Free Term. So, if you can, always pay more than the minimum amount due. Visit purplevisa.co.nz for more information.

* Gem Visa and Gem Creditline Terms and Conditions:

"24 months (2 years) Interest free offer " - 2 years (24 months) interest free with GEM Visa. Amount payable will be shown on your monthly statement. Minimum purchase of $750. Credit and lending criteria and fees, including a Gem Visa $55 establishment fee, annual fees ($65 GEM Visa (charged $32.50 half yearly) / $65 GEM Creditline (charged $32.50 half yearly)), apply. Prevailing interest rate (currently Gem Visa 29.49% p.a. / Gem CreditLine 29.95% p.a.) applies after any interest free term ends. Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $20 (whichever is more), will not be sufficient to repay the purchase amount(s) within the promotional period. Amount payable will be shown on your monthly statement. For cash advances, an interest rate of 29.95% p.a. and fees of $2 Gem Visa/$6 Gem CreditLine applies. Further information on rates and fees can be found at gemfinance.co.nz.Available on participating GEM Visa or GEM CreditLine credit cards only. New customers must apply and be approved for a GEM Visa credit card. Credit provided by Latitude Financial Services Limited. https://www.gemfinance.co.nz/. Offer ends 31 December 2024.

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