Terms & Conditions
Terms & Conditions
Finance offers available through Q Mastercard and GEM Visa for 4 years (48 months) Interest Free throughout June 2021. Specific terms outlined below.
*Q Mastercard Terms and Conditions:
"Interest free for 4 years (48 months) offer" - Pay no interest during the 48 month promotional period (until June 2025) - provided you pay the "payment to reduce further interest" amount in your 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. Prevailing interest rate applies to any outstanding balance on the expiry of the interest free period.
No payments and no interest until December 2022 (“18 month Payment Holiday”) is available on Flexi Payment Plans until 30 June 2021.
Minimum spend $1000. Annual Account Fee of $50 applies, paid in 6 monthly instalments ($25 applied on opening an every six months thereafter). New Cardholder fee - $55 Establishment. Existing Cardholder fee – $35 Advance. Standard Interest Rate, currently 25.99% or 22.95% p.a (depending on your card) applies to any outstanding balance at end of payment holiday or interest free period. Leading criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.
* Gem Visa and Gem Creditline Terms and Conditions:
"Interest Free for 4 years (48 months) offer" - 4 years (48 months) interest free (until June 2025) is available to Gem Visa/Gem CreditLine customers. Minimum purchase $1000. Equal monthly payments required. Offer ends 30 June 2021. 48 months of equal interest free instalments with Gem Visa/Gem Creditine as an instalment plan advance (Gem Visa/Gem CreditLine Select Advance (Gem CreditLine). Amount payment will be shown on your monthly statement.
12 months interest free with no repayments (until June 2022). Minimum purchase $500. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue, and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement.
Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.
* All sales are eligible for Fly Buys points. Must supply Fly Buys number at the time of the consult. Fly Buys Membership Terms and Conditions apply and can be viewed at www.flybuys.co.nz. Your contact details will not be collected for marketing purposes unless you express an interest in our latest offers and news.
Your contact details will not be collected for marketing purposes unless you express an interest in our latest offers and news.