24 MONTHS INTEREST FREE WITH

Q CARD & Q MASTERCARD

Terms and Conditions: 24 months interest free is available on Flexi Payment Plans & Flexi Purchases for in-store purchases only. Minimum spend $499. 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 25.99% p.a. applies to any outstanding balance at end of 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.