*No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Plans & Flexi Purchases for in store/online purchases until further notice. Excludes vouchers, gift cards, software licenses, game activation codes, pre-orders, Customized-to-Order (CTO) Apple Mac, and backorders. Minimum spend $200. Lending criteria, $50 Annual Account Fee, $55 Establishment Fee (First LTF Purchase) or $35 Advance Fee applies, Ts& Cs apply. Standard Interest Rate (currently 25.99%) applies to any outstanding balance at end of interest free period . Rate and fees correct as at date of publication, subject to change. Columbus Financial Services Limited or Consumer Finance Limited (as applicable) reserve the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.