Things you should know

*Lending criteria, $50 annual Account Fee, fees, Ts&Cs and exclusions apply. $55 Establishment fee applies to your first Long Term Finance (LTF) transaction, $35 Advance fee applies to subsequent LTF transactions. Standard Interest Rate of 24.99% p.a. applies after interest free period. Flight Centre fee of 3.50% applies. See flightcentremastercard.co.nz for full details.

*With a Flight Centre Mastercard you earn:

• 1.00 Flight Centre Reward for every NZ$150 spend on Standard Purchases (excludes cash advances, balance transfers, fees, interest charges & quasi-cash transactions) within New Zealand online & instore.
• 1.00 Flight Centre Reward for every NZ$100 spent internationally online & instore (where Mastercard designates the merchant to be located in a country other than New Zealand).
• 2.00 Flight Centre Rewards for every NZ$150 spent in-store or online at Flight Centre New Zealand.
• When redeemed, every 1.00 Flight Centre Reward earned will equate to NZ$1.00 credit on your Flight Centre Mastercard account and may be redeemed at Flight Centre New Zealand. Flight Centre Mastercard and Flight Centre terms and conditions apply.

**Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate, currently 24.99% p.a., applies after interest free period. Excludes Cash Advances, Balance Transfers, fees, interest charges, quasi-cash transactions such as travellers’ cheques or foreign currency.

^A minimum purchase amount may be required. Annual Account Fee of $50 applies. An Establishment Fee of $55 applies to your first LTF transaction, a $35 Advance Fee applies to all subsequent LTF transactions. Standard Interest Rate, currently 24.99% p.a. applies to any outstanding balance at the end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rates and fees correct as at date of publication, subject to change.

#Cash Advance Interest Rate currently 26.99% p.a. applies to all Cash Advances made from your Account from the date of the Cash Advance until repaid in full. A Cash Advance Fee is charged by us when you withdraw cash: $2 (domestic)/$3 international) if withdrawn from an ATM, or $3 (domestic)/$6.50 (international) if from a teller, plus an access fee (if any) charged by the financial institution from where you made the withdrawal.

##Excludes Cash Advances.

--------------------------

^18 Months No Payments and No Interest Terms and Conditions:

New customers need to apply and be approved for a Flight Centre Mastercard credit card.  ^18 Months No Payments and No Interest is available on Long Term Finance (LTF) in-store purchases only at Flight Centre New Zealand between 27/07/2026 to 18/10/2026. Minimum spend $499. Lending criteria, $50 Annual Account fee, fees, Ts&Cs, and exclusions apply. Standard Interest Rate of 24.99% p.a. applies after interest free period. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Excludes foreign exchange. Other interest rates and fees may apply. A Flight Centre fee of 3.50% applies. Columbus Financial Services Limited reserves the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. The purchase date and time is determined by when the merchant processes the purchase and is outside of the control of Columbus Financial Services Limited, which may affect eligible purchases. Flight Centre Mastercard terms and conditions (which includes any and all relevant privacy notices) apply. Credit provided by Columbus Financial Services.

--------------------------

6 Months Interest Free Terms & Conditions

6 months interest free conditions apply. New customers need to apply and be approved for a Flight Centre Mastercard credit card. Offer is ongoing until further notice. Excludes foreign currency, cash advances & online purchases. Standard Interest Rate, currently 24.99% p.a. applies to any outstanding balance at end of 6 months interest free. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period. Paying only the minimum monthly payments will not full repay the loan before the end of the interest free period. Rates & fees correct as at date of publication, subject to change. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Columbus Financial Services Limited reserves the right to amend, suspend or terminate the offer and these Ts&Cs at any time without notice. The purchase date and time is determined by when the merchant processes the purchase and is outside of the control of Columbus Financial Services Limited, which may affect eligible purchases. Flight Centre Mastercard terms and conditions (which includes any and all relevant privacy notices) apply. Credit provided by Columbus Financial Services Limited.

--------------------------

^$10k Rewards Terms and Conditions

1. Promotional offer available for new approved customers only, from Flight Centre 
Mastercard applications received online from 12:00am 1 August to 11:59pm 30 
August 2026 New Zealand local time (“Offer Period”). 
2. There is one (1) prize in total to give away (“Prize Draw”). 
3. The entity responsible for this promotion is Columbus Financial Services Limited 
(“Promoter”). There is one prize in total to give away (“Prize Draw”).
4. One Prize Draw winner will receive 10,000 Rewards. Rewards will be credited to their Flight Centre Mastercard as verified by the Promoter (“Prize”).
5. To be eligible to redeem the Prize the promo code ‘HOLIDAY’ must be entered into 
the promo field on the first page of the Flight Centre Mastercard application and an 
account must be opened within 45 days of applying. 
6. Eligible customers who have applied during the Offer Period, and been approved, 
and opened a Flight Centre Mastercard account within 45 days of applying will be 
entered automatically into the Prize Draw (“Offer”). 
7. If a Prize Draw winner is deemed ineligible for any reasons, the Promoter reserves the right to draw a replacement Prize Draw winner. 
8. The Prize is not negotiable or transferable. 
9. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place. 
10. One (1) winner will be drawn at random from all eligible entries from the Prize Draw Period. 
11. The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on 
Monday 19 October 2026. 
12. The Prize Draw winners will be notified via phone or email by Wednesday 21 October 2026. If a Prize Draw winner cannot be contacted within 5 business 
days, Promoter reserves the right to re-draw an alternative Prize winner. 
13. Acceptance of the Prize is deemed consent for the Promoter to use the Prize Draw winners’ details, first name and photograph, for promotional and media purposes. The Promoter collects and processes personal information in order to run the promotion and offer the Prize and as otherwise set out in our Privacy Policy. 
14. The Promoter’s decision is final, and no correspondence will be entered into. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights. 
15. 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. 
16. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions. 
17. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from winning the prize. Independent financial advice should be sought. 
18. 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 a prize or this Prize Draw. 
19. 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. However, 
nothing in these terms and conditions is intended to exclude, restrict, or modify a 
consumer’s rights under the Consumer Guarantees Act 1993. 
20. Employees of the Promoter and/or Humm Group Limited are not eligible to enter the Prize Draw. 
21. All dates and time are in New Zealand local time. 
22. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Credit provided by 
Columbus Financial Services Limited. 
23. If you have any queries, please visit the Promoter’s contact page here.