Q Mastercard & Q Card
48 Months Interest Free with Q Mastercard & Q Card*
*48 months interest free is available on Long Term Finance (LTF) for in-store purchases only until 31st March 2026. Min spend $499. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first Long Term Finance (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. Other interest rates and fees may apply. Rates and fees subject to change. New customers need to apply and be approved for a Q Mastercard credit card. Columbus Financial Services Limited and Consumer
Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
Gem Visa
18 Months Interest Free with Gem Visa**
Minimum purchase $500. Minimum monthly payments required. Offer ends 28th February 2026.
- Available on participating Gem Visa or Gem CreditLine credit cards only. Please note: 6 months as a payment plan is not available for Gem CreditLine.
- New customers must apply and be approved for a Gem Visa credit card.
**Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fee of $65 Gem Visa (charged $32.50 half yearly) / $65 Gem CreditLine (charged $32.50 half yearly). 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 a fee of ($2 Gem Visa / $6 Gem CreditLine) applies. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card. Further information on rates and fees can be found at gemfinance.co.nz. Credit provided by Latitude Financial Services Limited.