⁺7 months zero interest, zero payments: Lending criteria, $50 annual Account Fee, fees, exclusions, terms and conditions apply. Zero interest, zero payments for seven months is available on all eligible purchases (excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) made with Q Card at PB Tech, JB Hi-Fi, Farmers, Briscoes and The Warehouse and Q Mastercard at PB Tech, JB Hi-Fi, Samsung Online, Farmers, Briscoes, Harvey Norman, Noel Leeming and The Warehouse from 12:01am Saturday 18 to 11.59pm Sunday 19 October 2025 New Zealand local time. Standard Interest Rate of 28.95% p.a. applies to any outstanding balance at end of interest free period. The date and time of the transaction is determined by when the merchant processes the purchase and is outside of the control of Columbus Financial Services Limited and Consumer Finance Limited and may affect eligibility. For Long Term Finance (LTF) purchases a $55 Establishment Fee applies to your first (LTF) transaction; $35 Advance Fee applies to subsequent LTF transactions. Other interest rates and fees may apply and are subject to change, further information is available here. Q Card & Q Mastercard terms and conditions (which includes any and all relevant privacy notices) apply. Credit is provided by Consumer Finance Limited (Q Card) and Columbus Financial Services (Q Mastercard).

*Minimum purchase and/or minimum payment amounts may be required, see offers for details. $55 Establishment Fee applies to your first Long Term Finance (LTF) transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at end of LTF interest free period. Rates and fees subject to change