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 2.50% applies. See flightcentremastercard.co.nz for full details.

^24 Months no interest conditions apply. New customers need to apply and be approved for a Flight Centre Mastercard credit card.  ^24 months interest free is available on Long Term Finance (LTF) in-store purchases only at Flight Centre New Zealand between 14/10/2025 to 03/12/2025. 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. Min 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 fully repay the loan before the end of the interest free period. Other interest rates and fees may apply. A Flight Centre fee of 2.50% 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.

*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.