500 Days Interest Free + No Finance Surcharge with Q Card!*

6 months deferred payment + another 18 months Interest Free with GEM Visa!*

^Balance Back Prize Draw: These terms and conditions must be read in conjunction with the full terms and conditions which can be found at:www.qcard.co.nz/offers-and-promotions/win10klc. New customers need to apply and be approved for a Q Mastercard credit card. Valid from 12:01am Wednesday 1 October to 11:59pm Sunday 2 November 2025 New Zealand local time (“Prize Draw Period”). Entries received outside this time will be ineligible for entry. The entities responsible for this promotion are Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card) (together the “Promoter”). There are three (3) prizes in total to give away (“Prize Draw”). Three (3) Prize Draw winners will receive a credit equal to the balance of their account as at 11.59pm on 2 November 2025 on their Q Mastercard account or Q Card account, up to a maximum amount of $10,000 (“Prize”). Only one prize per account holder. An entry into the Prize Draw is automatic every time an eligible purchase (which is any purchase excluding cash advances, balance transfers, fees, interest charges or quasi-cash transactions) is made with Q Mastercard or Q Card during the Prize Draw Period. The transaction date and time is determined by when the merchant processes the purchase and is outside of the Promoters control and may affect eligibility. Three (3) winners will be drawn at random from all eligible entries from the Prize Draw Period. The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on Friday 7 November 2025. The Prize is not negotiable or transferable for cash. The Prize Draw winners will be notified via phone or email by Friday 14 November 2025. If a Prize Draw winner cannot be contacted within 5 business days, the Promoter reserves the right to re-draw an alternative Prize winner. To be eligible to win the Prize, an account must not be in arrears at the time the Prize Draw takes place. Any purchases made 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. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw. Any decisions made by the Promoter in relation to the Prize Draw are final and no correspondence will be entered into. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions. Q Mastercard & Q Card terms and conditions (which includes any and all relevant privacy notices) apply. Credit provided by Columbus Financial Services Limited (Q Mastercard) and Consumer Finance Limited (Q Card).