Pay with Flex Terms & Conditions: Deposit Requirement: A deposit is required on eligible international hotels, tours, or cruises to confirm and secure your travel reservation. In most cases, this deposit will be up to 10% of the total booking value; however, the actual amount is determined by the supplier’s requirements and may be higher or lower. This deposit must be paid to Flight Centre New Zealand, either in-store or via an approved payment method, at the time of booking to confirm and secure your travel reservation. Where a supplier requires a higher minimum deposit, the supplier’s deposit requirement will apply. | Eligibility & Exclusions: This deposit offer applies exclusively to international hotels, tours, and cruises. Airfares, domestic products, insurance, and any other non-eligible components must be paid in full at the time of booking. For accommodation, deposit payments are not permitted on instant purchase or non-refundable rates; such bookings must be paid in full upon confirmation. This offer is not available for online bookings and applies only to in-store transactions. | Full Payment Timeframes: Hotels: Full payment is due no later than 60 days prior to the scheduled travel date. Cruises: Full payment is due no later than 120 days prior to the scheduled departure date. Tours: Full payment is due no later than 90 days prior to the scheduled departure date.  If your booking is made within the applicable timeframe, full payment is required at time of booking. If a supplier requires full payment earlier than these timeframes, the supplier’s requirement will apply. Failure to make full payment by the due date may result in cancellation by the supplier, with forfeiture of any deposit paid. | Changes & Cancellations: Changes or cancellations may incur fees imposed by suppliers and/or Flight Centre. Deposits may be non-refundable in accordance with the supplier’s policy. . | Price Changes: Prices quoted are subject to change and not guaranteed until full payment has been received by Flight Centre. Any outstanding balance may be subject to variations caused by fluctuations in applicable exchange rates, taxes, fuel surcharges, or other supplier-imposed charges. Flight Centre reserves the right to amend pricing at any time prior to receipt of full payment. | General Conditions: Flight Centre acts solely as an agent for travel service providers, and all payments may be remitted to suppliers in accordance with their respective requirements. Flight Centre reserves the right to amend, suspend, or withdraw this offer at any time without prior notice. Customers are strongly advised to purchase comprehensive travel insurance at the time of booking. The “Pay with Flex” option cannot be combined with interest-free offers unless expressly stated. For clarification on eligible combinations, speak to a Flight Centre travel expert. All bookings are subject to Flight Centre’s standard booking terms & conditions, available at flightcentre.co.nz/bookingterms. 

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.