Finance

Q Card

 

Plan Minimum Purchase Fee Interest Rate
6 Months No Payments and No Interest* $200 $50 Annual Fee 25.95%
12 Months No Payments and No Interest* $55 Establishment Fee

18 Months No Interest*

 

$35 Advance Fee

*Minimum spend $200,  Annual Account Fee of $50 applies. New Cardholder fees - $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 of the date of publication, subject to change.

Click the link below to apply: 

https://www.qmastercard.co.nz/apply/apply-online/


 Finance Now

12 Months Interest-Free with 36 Months to Pay

*Interest-Free up to 12 Months with a minimum purchase over $499, in-store only.

A Booking Fee of $55 and a $1.80 monthly service fee is applicable to all agreements (Payment Protection Insurance may apply). 

From no deposit, however; if a deposit is required it is payable upon entering the agreement.

An Interest Rate of 19.75% applies to the outstanding balance at the expiry of any interest-free and/or deferred period.

Subject to Finance Now’s standard credit criteria.

 

GEM

 

12 Months Interest-Free*

Enjoy 12 months interest-free on all purchases $250 and over with Gem Visa.

Normal credit and lending criteria and fees apply. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited. Ask in-store for further details, or check Gem Visa Website.

Available in-store. 


*Minimum purchase $250. Minimum monthly payments required.

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). 

Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest-free term ends.

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.

The amount payable will be shown on your monthly statement. Credit provided by Latitude Financial Services Limited.

18 Months Interest-Free*

*Minimum purchase $499. Minimum monthly payments required.

*Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine). 

Prevailing interest rate (currently Gem Visa 25.99% p.a./Gem CreditLine 29.95% p.a.) applies after any interest-free term ends.

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.

The amount payable will be shown on your monthly statement. Credit provided by Latitude Financial Services Limited.

https://www.gemfinance.co.nz/credit-cards/gem-visa-card/ 

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