Things to Know:

*Long Term Finance (LTF) term, conditions, exclusions and eligibility criteria apply. Excludes gift cards and some promotional items. Lending criteria, $50 annual Account Fee, fees, Ts&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. Other Interest rates and fees may apply. 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 Ts&Cs at any time without notice.

^Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Zero interest, zero payments for three months is available on all Q Mastercard Standard Purchases (excludes Long Term Finance and Cash Advances) in-store and online. Standard Interest Rate, currently 28.95% p.a., applies to outstanding balance at end of interest free period. Other interest rates and fees may apply. Rate and fees subject to change. Rate and fees correct as at date of publication.

Maximum 12 Months Interest Free Term available at Smiths City Colombo St and Smiths City Dunedin.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated

For questions about your Q Mastercard application, contact the Q Mastercard team by calling 0800 119 100.

A Q Mastercard provides you with a specified amount of credit that you can access using your Q Mastercard Account and/or Card. You must ensure that your total unpaid balance does not exceed your credit limit.

You can cancel your Q Mastercard at any time as per the cardholder terms and conditions by calling Q on 0800 119 100. You will still be responsible for all transactions made up until that time. The outstanding balance, including interest accrued but not yet charged, and all amounts required to repay any Fixed Instalments, will immediately become due and payable.

Q Mastercard is issued by Columbus Financial Services Ltd, Private Bag 94013, Auckland 2241, New Zealand.

For more information, visit qcard.co.nz/q-mastercard-benefits