**NO PAYMENTS AND NO INTEREST FOR 6 MONTHS is available on Flexi Payment Plans & Flexi Payment Purchases. Finance not available online. Minimum spend $200. Annual Account Fee of $50 applies. Standard Interest Rate, currently for Q Card 28.5% p.a. and for Q Mastercard 28.50% p.a. (depending on your card) applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. *12months interest free is available on Flexi Payment Purchases for in-store purchases only when using your Q or Q Mastercard. Minimum spend $499. Offer is ongoing until further notice. 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 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, currently 28.50% p.a applies to any outstanding balance at end of interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services limited reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. A helloworld fee of 2.5% applies. ^15months interest free is available on Flexi Payment Purchases for in-store purchases only when using your Q or Q Mastercard. Minimum spend $499. Offer is ongoing until further notice. 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 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, currently 28.50% p.a applies to any outstanding balance at end of interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Columbus Financial Services limited reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. A helloworld fee of 2.95% applies. ^^18 months Long Term interest-free available for in-store purchases until 30 April 2024. Minimum spend $200. Lending criteria, $50 annual Account Fee, T&Cs apply. $55 Establishment Fee applies for first Long Term Finance (LTF), or advance Fee of $35 applies (subsequent LTF). 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. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 28.50% p.a. applies. Rates and fees subject to change. Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) reserve the right to amend, suspend or terminate the offer and these T&Cs at any time without notice. 2.5% Helloworld Travel fee applies. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. For full Terms and Conditions, please see helloworld.co.nz or your Helloworld Travel Professional. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Q Card lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.