Q Card Splash Page

*6 months no payments and no interest

(“Payment Holiday”) is available on all standard Q EFTPOS purchase transactions (LTF excluded) at participating retailers in-store and online from Saturday 21 May 2022 to 23:59 on Sunday 22 May 2022 New Zealand Standard Time (NZST). The transaction date is determined by when the merchant processes the purchase and is outside the control of Consumer Finance Limited (“Issuer”). To avoid paying interest on your purchase, you must pay off the amount owing before expiry of the interest free period. Annual Account Fee of NZD$50 applies. Standard Interest Rate, currently 25.99% p.a. 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. The Issuer reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. Q Card standard terms and conditions apply.

^$15k balance back promo prize draw

valid from Saturday 14 May 2022 to Sunday 26 June 2022 (“Prize draw Period”). There are 45 prizes in total to give away (“Prize Draw”). One Prize Draw winner will receive their balance back on their Q Card or Q Mastercard account for an amount equal to the closing balance of their account as at 11.59 PM Sunday 26 June 2022, up to a maximum of NZD$15,000 (“Grand Prize”). 44 prize winners will each receive A credit back on their Q Card or Q Mastercard account to an amount equal to the closing balance of their account as at 11.59PM Sunday 26 June 2022, up to a maximum of NZD$200 (“Daily Prize”). Every transaction made with Q Card or Q Mastercard at any accepting retailer in-store or online during the Prize Draw Period automatically gives you 1 entry into the Grand Prize and 1 entry into the Daily Prize (dependent on date of transaction, LTF purchases excluded). The Grand Prize or Daily Prizes are not negotiable, non-transferable or redeemable for cash. The entities responsible for this promotion are Consumer Finance Limited and Columbus Financial Services Limited (each, the “Promoter”). On Friday 1 July 2022, one (1) winner will be drawn at random from all eligible entries for the Grand Prize, and one (1) winner will be drawn for each day of the 44 days of the Prize Draw Period from all eligible entries received for that respective day for a Daily Prize at 111 Carlton Gore Rd, Newmarket, Auckland. The Prize winners will be notified via phone/email by 22 July 2022. Credit backs will be applied on or before 29 July 2022 to the winning Q Card or Q Mastercard accounts. Q Card and Q Mastercard terms and conditions apply. See www.qmastercard.co.nz/15kbalanceback and www.qcard.co.nz/15kbalanceback for full details.