6 months no payments & no interest
6 months no payments & no interest

Get your home sorted for the holidays! Whether it’s new headphones, the latest outdoor furniture or a summer duvet, grab your Q Card and make the most of 6 months no payments & no interest*. Available at any one of the selected retailers below on Saturday 21 and Sunday 22 November 2020.

Unleash your inner geek and upgrade your tech, or get the house ready for the summer season and enjoy no minimum spend and no payments until May 2021*.

And don’t forget, every purchase you make at the selected retailers shown above (plus JB Hi-Fi) until Sunday 22 November 2020 will put you in the draw to win% your spend back up to $1,000! There are 10 prizes to be won.

*Lending criteria, fees, Ts&Cs apply.

Every Q Card purchase until the 26 December 2020 puts you in the draw to win^ the Ford of your dreams… the lucky winner can choose either a new Mustang Fastback, Escape ST-Line X or Ranger FX4 Double Cab. Imagine finding out you’ve won!

Shop with your Q Card at thousands of retailers online and around the country. See qcard.co.nz/storefinder for more details.

Things you should know:

*6 months no payments and no interest (“Payment Holiday”) is available on all Q EFTPOS purchase transactions at selected eligible merchants from Saturday 21 November 2020 to Sunday 22 November 2020 New Zealand Standard Time (NZST). Eligible purchases mean all purchases made with your Q Card at the following selected retailers: Briscoes, Farmers, Bed Bath & Beyond, Freedom, Citta, Kmart, The Warehouse, Bunnings, Mitre 10, Placemakers, Heathcotes, 100% Appliances, Noel Leeming and Trademe. This Payment Holiday offer is not available at JB Hi-Fi. Please note some retailers may only allow for this offer to be redeemed in store and not online. Excludes cash advances, balance transfers, fees, interest charges or quasi-cash transactions. The purchase transaction date is determined by when the merchant processes the purchase and is outside the control of Consumer Finance Limited (“Issuer”). Annual Account Fee of NZD$50 applies. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. The Issuer reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. Q Card standard terms and conditions apply, see qcard.co.nz/homewarevip.

%Homewares spend back Prize Draw: valid from Saturday 14 November to 11:59pm Sunday 22 November 2020 (“Prize Draw Period”). There are ten prizes in total to give away (“Prize Draw”). Every transaction made with a Q Card or Q Mastercard at one of the qualifying retailers; Briscoes, Farmers, Bed Bath & Beyond, Freedom, Citta, Kmart, The Warehouse, Bunnings, Mitre 10, Placemakers, JB HiFi, PB Tech, Heathcotes, 100% Appliances, Noel Leeming and Trademe in-store or online (depending on availability) (“Qualifying Retailers”) during the Prize Draw Period automatically gives you 1 entry into the Prize Draw. Please note some retailers may only allow for this offer to be redeemed in-store and not online. Ten Prize Draw winner will each win a credit to their Q Card or Q Mastercard (as applicable) equivalent to the value of their winning purchase made at one of the Qualifying Retailers during the Prize Draw period, up to a maximum amount of $1000 (“Prize”). The Prize is not negotiable, non-transferable or redeemable for cash. At the end of the Prize Draw Period, 10 winners will be drawn at random from all eligible entries for the Prize Draw at 111 Carlton Gore Rd, Newmarket, Auckland on 4 December 2020. The Prize winner will be notified by phone/email by 24 December 2020. If a Prize Winner cannot be contacted within 5 business days, the Promoter reserves the right to re-draw the prize. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place. The entities responsible for this promotion are Consumer Finance Limited and Columbus Financial Services Limited. Q Card and Q Mastercard terms and conditions apply.

^Car Prize Draw Terms and Conditions:
1. Prize Draw valid from 7 November 2020 to 11:59pm on 26 December 2020 (“Prize Draw Period”). There is one prize in total to give away (“Prize Draw”).
2. One Prize draw winner will receive their choice of one of three car options; a Mustang EcoBoost Fastback 2019 model, an Escape ST-Line X EcoBoost 2020 model or a Ranger FX4 Double Cab 4x2 Wellside 2019 model, colour to be chosen by winner based on what is available from dealership (“Prize”). If the chosen car is not currently in stock, it will be ordered by Ford and can take up to 2 months to be ready for collection, which will be from a local Ford dealership (subject to availability and will be organised directly with the Prize winner).
3. An entry into the Prize Draw is automatic every time a purchase is made with Q Card or Q Mastercard at any retailer that accepts Q Card or Q Mastercard in-store or online during the Prize Draw Period.
4. One winner will be drawn at random from all eligible entries at 111 Carlton Gore Rd, Newmarket, Auckland on 8 January 2021.
5. The Prize is not negotiable, non-transferable or redeemable for cash.
6. The Prize winner will be notified by phone/email by 22 January 2021.
7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
8. Any purchases made on Q Card or Q Mastercard during the Prize Draw Period that have been cancelled, refunded, returned or suspended before the Prize Draw date will be considered an ineligible entry into the Prize Draw.
9. The entities responsible for this promotion are Consumer Finance Limited (Q Card) and Columbus Financial Services Limited (Q Mastercard) (“Promoter”).
10. If a winner does not respond within 5 business days of being contacted, the Promoter reserves the right to re-draw a prize.
11. The Promoter reserves the right to extend, amend, suspend or terminate this offer and these terms and conditions at any time without notice. If for any reason a prize becomes unavailable, the Promoter may substitute an alternative equivalent prize without notice.
12. The Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
13. Any decisions made by the Promoter in relation to the Prize Draw are final and no correspondence will be entered into.
14. Entry into the Prize Draw is deemed acceptance of these terms and conditions.
15. Acceptance of the Prize is deemed consent for the Promoter to use the winner’s details for promotional and media purposes.
16. Employees of the Promoter and/or FlexiGroup (New Zealand) Limited are not eligible to enter the Prize Draw.
17. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with the Prize or Prize Draw.
18. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. Nothing in these terms and conditions is intended to exclude, restrict or modify a consumer’s rights under the Consumer Guarantees Act 1993.
19. Q Card and Q Mastercard terms and conditions apply (as applicable).
20. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

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