No interest & payment holiday for 12 months is available on Flexi Payment Plans for in-store purchases only until 31st March 2021. Please ask instore for more details. Excludes clearance and end of line products. Minimum spend $2000. Annual Account Fee of $50 applies. New Cardholder fees - $55 Establishment. Existing Cardholder fee - $35 Advance. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. 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 is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. The issuer reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.