Things you should know:

^3 months no payments and no interest: Lending criteria, $50 annual Account Fee, fees, terms and conditions apply.  No payments and no interest for three months (“interest free period”) are available on all eligible purchases (which is all purchases excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) made with Flight Centre Mastercard from 12:00am Thursday 25 April to 11.59pm Sunday 28 April 2024 New Zealand local time. Standard Interest Rate, currently 24.99% p.a., applies to any outstanding balance at end of interest free period. Other interest rates and fees may apply. Further information can be found here. The purchase transaction date and time is determined by when and where the merchant processes the purchase and is outside of the control of Columbus Financial Services Limited and may affect eligibility.  Flight Centre Mastercard terms and conditions (which includes any and all relevant privacy notices) apply. Credit provided by Columbus Financial Services Limited.

*$4,000 Flight Centre gift card terms and conditions apply. These terms and conditions must be read in conjunction with the full terms and conditions which can be found at: www.flightcentremastercard.co.nz/campaigns/win-4k-travel. Valid from 12:00am Friday 12 April to 11:59pm Sunday 12 May 2024 New Zealand local time (“Prize Draw Period”). There is one (1) prize in total to give away (“Prize Draw”). One (1) Prize Draw winner will receive a Flight Centre electronic gift card to the total value of NZ$4,000 (“Prize”) (“Prize”). An entry into the Prize Draw is automatic every time a purchase is made with Flight Centre Mastercard at any retailer that accepts Flight Centre Mastercard during the Prize Draw Period. The transaction date is determined by when and where the merchant processes the purchase and is outside of Columbus Financial Services Limited’s (“Promoter”) control and may affect eligibility. One (1) winner will be drawn at random from all eligible entries from the Prize Draw Period; the draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on 17 May 2024.  The Prize is not negotiable, transferable or redeemable for cash. The Prize Draw winner will be notified by phone or email by 24 May 2024. If the Prize Draw winner cannot be contacted within 5 business days, Promoter reserves the right to re-draw the Prize. To be eligible to win the Prize, an account must not be in arrears at the time the Prize Draw takes place. Any purchases made on Flight Centre Mastercard during the Prize Draw Period that have been cancelled, refunded, returned or suspended before the Prize Draw Date will not be eligible for entry into the Prize Draw. If for any reason the Prize becomes unavailable, the Promoter may substitute an alternative prize of equivalent value without notice. Flight Centre Mastercard and Flight Centre New Zealand terms and conditions apply.

⁺Earn 1.50 Flight Centre Rewards for every NZ$100 spend on Standard Purchases (excludes Cash Advances, Balance Transfers, fees, interest charges & quasi-cash transactions). Earn 3.00 Flight Centre Rewards for every NZ$100 spent at New Zealand Flight Centre. When redeemed, every 1.00 Flight Centre Reward earned will equate to NZ$1.00 credit towards your Flight Centre Mastercard account and may be redeemed at Flight Centre New Zealand. Flight Centre Mastercard and Flight Centre terms and conditions apply.  

¹Excludes Cash Advances.