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    48 months interest free, with no payments for the first 12 months

    *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 36 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. A HRV Finance Surcharge applies. Available until 31st March 2024.

    We've made the feeling of coming home to a warmer, drier home with HRV easy! Get flexible interest-free payments on HRV home ventilation and heat pumps. Terms and conditions apply, see below for details.

    Q Card
    Q Card
    Interest Free Options
    Gem Card
    GEM Visa
    Interest Free Options
    Q Cards

    6 MONTHS NO PAYMENTS & NO INTEREST

    WHY A little extra breathing space for 6 months, at no extra cost
    MINIMUM SPEND $200
    MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
    REPAYMENT AMOUNT No Interest or Payments for the first 6 months, then minimum payments of 3% of the monthly closing balance, or $10 (whichever is greater). There are no early repayment fees.
    FEES No Advance Fee or Establishment Fees
    HRV FINANCE SURCHARGE 0%
    APPLY / FIND OUT MORE qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz
    FULL TERMS & CONDITIONS *No payments and no interest for 6 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice.
    Q Cards

    12 MONTHS NO PAYMENTS & NO INTEREST

    WHY Paws your payments, with nothing to pay for 12 months!
    MINIMUM SPEND $200
    MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
    REPAYMENT AMOUNT No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
    FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
    HRV FINANCE SURCHARGE 2%
    APPLY / FIND OUT MORE qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz
    FULL TERMS & CONDITIONS No payments and no interest for 12 months (“Payment Holiday”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. A HRV Finance Surcharge applies. Available until 31st March 2024.
    Q Cards

    24 MONTHS INTEREST FREE, WITH NO PAYMENTS FOR THE FIRST 12 MONTHS

    WHY 2 years interest free, with no payments for first 12 months – get your home ventilated now, and take your time to pay it back
    MINIMUM SPEND $500
    MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
    REPAYMENT AMOUNT No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
    FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
    HRV FINANCE SURCHARGE 4%
    APPLY / FIND OUT MORE qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz
    FULL TERMS & CONDITIONS *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 24 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. A HRV Finance Surcharge applies. Available until 31st March 2024.
    Q Cards

    34 MONTHS NO INTEREST (1000 Days)

    WHY 1000 days Interest Free
    MINIMUM SPEND $500
    MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
    REPAYMENT AMOUNT No interest for the first 34 months, minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period.
    FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
    HRV FINANCE SURCHARGE 7%
    APPLY / FIND OUT MORE qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz
    FULL TERMS & CONDITIONS *30 months interest free is available on Long Term Finance (LTF) for in-store purchases only. Min Spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. A HRV Finance Surcharge applies. Available until 31st March 2024.
    Q Cards

    48 MONTHS INTEREST FREE, WITH NO PAYMENTS FOR THE FIRST 12 MONTHS

    WHY Have a break from repayments for a year, and then a further 3 years with no interest!
    MINIMUM SPEND $500
    MAXIMUM SPEND Up to $50,000 (Lending Criteria applies)
    REPAYMENT AMOUNT No payments or interest for the first 12 months, then minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required.
    FEES NEW CUSTOMERS: $55 establishment fee | EXISTING CUSTOMERS: $35 advance fee Annual cardholder fee $50 (payable in 2 x $25 6-monthly instalments)
    HRV FINANCE SURCHARGE 9%
    APPLY / FIND OUT MORE qmastercard.co.nz | farmersmastercard.co.nz | flightcentremastercard.co.nz
    FULL TERMS & CONDITIONS *No payments and no interest for 12 months (“Payment Holiday”) and no interest for a further 36 months (“Further Interest Free Period”) is available on Long Term Finance (LTF) for in-store purchases only. Min spend $500. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Standard Interest Rate of 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Rates and fees correct as at date of publication, subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. A HRV Finance Surcharge applies. Available until 31st March 2024.

    Pay it on a 6 MONTH INTEREST-FREE PLAN*

    WHY Ventilate now and spread your payments.
    MINIMUM SPEND $250
    MAXIMUM SPEND N/A
    REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.\
    FEES Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply.
    FINANCE SURCHARGE 0%
    APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
    FULL TERMS & CONDITIONS *Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% 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. Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
    Credit provided by Latitude Financial Services Limited.
    A HRV finance surcharge applies.

    Pay it on a 12 MONTH INTEREST-FREE PLAN*

    WHY Enjoy a whole year of home comfort
    MINIMUM SPEND $250
    MAXIMUM SPEND N/A
    REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
    FEES Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply.
    HRV FINANCE SURCHARGE 2%
    APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
    FULL TERMS & CONDITIONS *Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% 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. Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
    Credit provided by Latitude Financial Services Limited.
    A HRV finance surcharge applies.

    Pay it on a 24 MONTH INTEREST-FREE PLAN*

    WHY Take it easy and pay it on a 24 month Interest Free Plan
    MINIMUM SPEND $500
    MAXIMUM SPEND N/A
    REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
    FEES Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply.
    HRV FINANCE SURCHARGE 5%
    APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
    FULL TERMS & CONDITIONS *Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% 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. Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
    Credit provided by Latitude Financial Services Limited.
    A HRV finance surcharge applies.

    Pay it on a 36 MONTH INTEREST-FREE PLAN*

    WHY Small monthly payments, big home improvements
    MINIMUM SPEND $750
    MAXIMUM SPEND N/A
    REPAYMENT AMOUNT Minimum repayments of 3% of the outstanding monthly balance, or $20 (whichever is more). There are no early repayment fees.
    FEES Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)) apply.
    HRV FINANCE SURCHARGE 8%
    APPLY / FIND OUT MORE gemfinance.co.nz/credit-cards/gem-visa-card/
    FULL TERMS & CONDITIONS *Credit and lending criteria and fees apply, including a Gem Visa $55 establishment fee and annual fees ($55 Gem Visa (charged $27.50 half yearly) / $55 Gem CreditLine (charged $27.50 half yearly)). Prevailing interest rate (currently Gem Visa 29.49% 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. Amount payable will be shown on your monthly statement. Available on participating Gem Visa or Gem CreditLine credit cards only. New customers must apply and be approved for a Gem Visa credit card.
    Credit provided by Latitude Financial Services Limited.
    A HRV finance surcharge applies.