Things you should know

^*Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. 6 months zero interest and zero payments available on all Q Mastercard Standard Purchases or all standard Q EFTPOS purchase transactions (excludes Long Term Finance and Cash Advances) from Saturday 13 August 2022 to 23:59 on Sunday 14 August 2022 New Zealand Standard Time (NZST). The purchase transaction date is determined by when the merchant processes the purchase and is outside the control of Columbus Financial Services Limited (“Issuer”). To avoid paying interest on your purchase, you must pay off the amount owing before expiry of the interest free period. Standard Interest Rate, currently 26.69% p.a. for Q Mastercard or 27.99% p.a. for Q Card, applies to outstanding balance at end of interest free period. Issuer reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice.

^{^}Free Groceries for a year Prize Draw: valid from Saturday 9 July 2022 to Sunday 14 August 2022 (“Prize Draw Period”). There are 38 prizes in total to give away (“Prize Draw”). One Prize Draw winner will receive $20,000 deposited into their nominated bank account. (“Grand Prize”). 37 prize winners will each receive a NZD$200 credit back on their Q Card or Q Mastercard account to an amount equal to the closing balance of their account as at 11.59 PM on 14 August 2022, up to a maximum amount of $200 (“Daily Prize”). Every transaction made with Q Card or Q Mastercard at any accepting retailer in-store or online during the Prize Draw Period automatically gives you one (1) entry into the Grand Prize and one (1) entry into the Daily Prize (dependent on date of transaction, LTF purchases excluded). Double entries into the Grand Prize and Daily Prize Draw are automatic every time a purchase is made in-store and online at any accepting retailer from Saturday 6 to Sunday 7 August 2022. Any purchases during the Prize Draw Period that have been cancelled, refunded, returned or suspended before the Prize Draw Date will not be eligible for entry into the Prize Draw. The Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw. The Grand Prize or Daily Prizes are not negotiable, transferable or redeemable for cash. The entities responsible for this promotion are Consumer Finance Limited and Columbus Financial Services Limited (each, the “Promoter”). On 19 August 2022, one (1) winner will be drawn at random from all eligible entries for the Grand Prize, and one (1) winner will be drawn for each day of the 37 days of the Prize Draw Period from all eligible entries received for that respective day for a Daily Prize at 111 Carlton Gore Rd, Newmarket, Auckland. The Prize winners will be notified via phone/email by 26 August 2022. If a Prize Draw winner cannot be contacted by 9 September 2022, Promoter reserves the right to re-draw a Prize. Credit backs will be applied on or before 9 September 2022 to the winning Q Card or Q Mastercard accounts. Entry into the Prize Draw is deemed acceptance of these terms and conditions. Q Card and Q Mastercard terms and conditions apply. See www.qmastercard.co.nz/free-groceries and www.qcard.co.nz/free-groceries for full details.

^†Q Card is accepted at participating New World and PAK’nSAVE stores only. Excludes Island Bay New World store and Whitianga New World Fuel sites. Excludes PAK’nSAVE stores in Kapiti, Lower Hutt, Petone, and Mill Street and the purchase of alcohol at Mt Albert PAK’nSAVE. Excludes Manukau, Porirua and Hastings PAK’nSAVE Fuel Sites.

Read the Apple Pay Terms of Use here
Read the Google Pay Terms of Use here
Read the Garmin Pay Terms of Use here

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.