Qcard

12 months Interest-Free on all purchases over $600 until 30 November  2026.
** Excludes second-hand products

 Fees

• 12 months interest free is available on Flexi Payment Plans and Flexi Purchases for purchases until 30th November  2026.  Minimum spend $600.00, excluding second-hand products.
• Annual Account Fee of $50 applies. 
  Establishment fee of $55 applies to new cardholders.
  Advance fee of $35 applies to existing cardholders.
• Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
  *Paying only the minimum monthly repayment of 3% of the outstanding monthly balance or $10 (whichever is more), may not be sufficient to repay the purchase amount(s) during the interest free term
  
• What you need to know
• Standard Interest Rate, currently 28.95% p.a. applies to any outstanding balance at end of the 12 month interest free period. Offer expires 30/11/2026

Lending criteria, fees, T&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.

If you want to use the 12 months interest free offer you need to contact us to arrange – please don’t checkout using credit card in shopping cart