Terms & Conditions. Applies to eligible new cardholders only. Once your account is activated your Bonus Rewards will be applied. Bonus Rewards are not negotiable or redeemable for cash. The entity responsible for this promotion is Columbus Financial Services. ^Offer excludes foreign currency & online purchases. Annual Account Fee of $50 applies. New Cardholder fee - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 22.95% p.a. applies to any outstanding balance at end of Payment Holiday. Payment Holiday may vary based on Cardholders’ payment cycle dates. Rate & fees correct as at date of publication, subject to change. See in store or flightcentre.co.nz for full details, terms & conditions. A merchant fee of 3.5% applies. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

*Earn 1.00 Flight Centre Reward for every NZ$100 spent on Standard Purchases (excludes cash advances, balance transfers, fees, interest charges & quasi-cash transactions). Earn 2.00 Flight Centre Rewards for every NZ$100 spent in-store or online at Travel Associates and Flight Centre New Zealand. When redeemed, every 1.00 Flight Centre Reward earned will equate to NZ$1.00 credit towards your Flight Centre Mastercard account. ^A minimum purchase amount may be required. Annual Account fee of $50 applies. New Cardholder fee - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 22.95% 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. †Boingo Wi-Fi for Mastercard Cardholders Terms and Conditions apply. Boingo Services provided by Boingo Wireless, Inc. See mastercard.boingo.com for full details. #Cash Advance fee will be charged when you withdraw cash. Interest will be charged from the date of the Cash Advance and ATM fees may apply. Cash Advance rate is currently 24.95% subject to change. **Excludes Cash Advances, balance transfers, fees, interest charges, quasi-cash transactions such as travellers’ cheques or foreign currency. Annual Account fee of $50 applies. Standard Interest Rate, currently 22.95% p.a. applies to any outstanding balance at the end of an interest free period. Lending criteria, fees, terms and conditions apply. Rates and fees correct as at date of publication, subject to change.

Mastercard is a registered trademark, and the circles design, Tap & Go and Identity Check are trademarks of Mastercard International Incorporated. Boingo is a registered trademark of Boingo Wireless, Inc.