Current Finance Promotions

Q Card / Q Mastercard 

18 MONTHS INTEREST FREE!
18 months interest free with monthly minimum repayments required. 
Minimum purchase $500. Minimum monthly payments required. Offer ends 31/05/2021.
View full T’s & C’s below. 

Not a cardholder? Sign up in just 5 minutes here

12 MONTH PAYMENT HOLIDAY!
12 months interest free with no repayments required during the period. 
Minimum purchase $500. No monthly payments required during the 12 month period. Offer ends 31/05/2021.
View full T’s & C’s below. 

Not a cardholder? Sign up in just 5 minutes here

Gem Visa/ Gem CreditLine

18 MONTHS INTEREST FREE!
18 months interest free with monthly minimum repayments required. 
Minimum purchase $500. Minimum monthly payments required. Offer ends 31/05/2021.
View full T’s & C’s below. 

Not a cardholder? Sign up in just 5 minutes here

12 MONTHS DEFERRED PAYMENT!
No monthly payments required during the 12 month period.
Minimum purchase $500. Offer ends 31/05/2021.
12 months interest free with monthly minimum repayments required. 
View full T’s & C’s below. 

Not a cardholder? Sign up in just 5 minutes here

Always Available Finance Offers

12 MONTHS INTEREST FREE! 
Available with Q Card / Q Mastercard or with Gem Visa. 
Minimum purchase $750. Minimum monthly payments required.
View full T’s & C’s below. 

Terms & Conditions

Q Card

18 MONTHS INTEREST FREE!
Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period e.g. 12 months interest free. $50 Annual Account Fee applies, paid in 6 monthly instalments ($25 applied on opening and every six months thereafter). New Cardholder fee - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. or 22.95% p.a. (depending on your card) applies to any outstanding balance at end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change.

12 MONTH PAYMENT HOLIDAY!
*No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases [for in-store purchases only] until 31/05/21.  Minimum spend $500. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. 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.


Gem Visa/ Gem CreditLine

18 MONTHS INTEREST FREE!
Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($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. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

12 MONTHS DEFERRED PAYMENT!
*No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) purchases [for in-store purchases only] until 31/05/21.  Minimum spend $500. Annual Account Fee of $50 applies. An Establishment fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions.Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. 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.