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. 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.

Application Opens Here: 

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 deposit is required it is payable upon entering agreement. Interest Rate of 19.75% applies on the outstanding balance at expiry of any interest free and/or deferred period.

Subject to Finance Now’s standard credit criteria.

 

GEM

 

12 Months Interest Free*

*Minimum purchase $250. Minimum monthly payments required. Offer ends 30/09/2020. *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

15 Months Interest Free*

*Minimum purchase $350. Minimum monthly payments required. Offer ends 30/09/2020. *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

18 Months Interest Free*

*Minimum purchase $400. Minimum monthly payments required. Offer ends 30/09/2020. *Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. 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. Amount payable will be shown on your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any remaining balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

Pay no interest and no payment for 10 months*

*Minimum purchase $100. No monthly payments required during the stated period. Offer ends 30/09/2020. *10 months interest free with no repayments during the stated period. Normal credit and lending criteria and fees, including a Gem Visa $55 establishment fee and annual fees ($52 Gem Visa / $50 Gem CreditLine), apply. Minimum purchase $100. Payment for your purchase will be deferred for the stated period. During this period, no interest will accrue and no monthly payments need to be made. If you do not pay the outstanding balance in full before the end of the deferred payment period, the amount payable will accrue interest and will be included in your monthly statement. Prevailing interest rate (currently Gem Visa 25.99% p.a./ Gem CreditLine 29.95% p.a.) applies to any outstanding balance on the expiry of the interest free period. Gem Visa / Gem CreditLine is provided by Latitude Financial Services Limited.

Application Opens Here:  

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