18 Months Interest Free!*

T&C’s

GEM Logo - *Minimum purchase $1000. From no deposit. Normal credit and lending criteria and fees including $55 establishment fee and annual fee ($52 Gem Visa / $50 Gem CreditLine) apply. 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. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.

 

Things you should know:

Q Card Logo - *18 months interest free is available on Long Term Finance (LTF) for in-store purchases only. Min spend $1000 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. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. 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 applies to Standard Purchases after 3 months (Q Mastercard 26.69% p.a. and Q Card 27.99% p.a.) Rates and fees correct as at date of publication, 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.