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Terms & Conditions

Finance offers available through Q Mastercard and GEM Visa/GEM Creditline for 4 years (48 months) Interest Free throughout January 2022. Specific terms outlined below.

*Q Mastercard Terms and Conditions:

"4 years (48 months) Interest free offer " - Pay no interest during the 4 years (48 months) promotional period (until January 2026) is available via Q Mastercard. 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. Amount payment will be shown on your monthly statement. Minimum purchase $1000. Offer ends 31st January 2022

Credit and lending criteria and fees apply incl. a $55 establishment fee & $50 annual fee. Interest rate currently 25.99% p.a. applies after interest free term ends. Credit provided by Columbus Financial Services Ltd.

* Gem Visa and Gem Creditline Terms and Conditions:

"4 years (48 months) Interest free offer " - 4 years (48 months) of equal interest free instalments (until January 2026) is available as an instalment plan advance Gem Visa/ a CreditLine Select advance (Gem CreditLine). 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. Amount payment will be shown on your monthly statement. Minimum purchase $1000. Prevailing interest rate (currently Gem Visa 25.99% p,a /Gem CreditLine 29.95% p.a ) applies after any interest free term ends.

Offer ends 31st January 2022.

Credit and lending criteria and fees apply incl. a $55 establishment fee & annual fees ($52 Gem Visa/ $50 Gem CreditLine). Credit provided by Latitude Financial Services Ltd.