Flight Centre Mastercard - Your perfect travel companion

Interest Free Travel
Interest Free Travel
Travel now, pay later
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Flight Centre Mastercard helps you get travelling sooner, here's how

Travel now, pay later^

Wander through ancient cities, bask on sun-kissed beaches, and immerse yourself in different cultures - your dream holiday awaits. With Flight Centre Mastercard’s Long Term Finance deals, there's no reason to wait any longer. Experience the wonders of the world when you Travel Now, Pay Later^ with Flight Centre Mastercard.

No international transaction fees##

Whether you're shopping online at your favourite international brands or exploring and experiencing exotic destinations while on your dream holiday; you'll enjoy spending around the world with no international transaction fees##.

What could your repayments look like?

Is this your first Long Term Finance (LTF) purchase with your Flight Centre Mastercard?

Yes, this is my first LTF purchase No, I've made a LTF purchase before
Purchase amount: $

Repayment term (months):

*The indicative repayment amount above represents the amount required to repay the long term finance purchase amount within the interest free payment holiday promotional period to avoid interest or fees thereafter. During the interest free payment holiday promotional period you are not obliged to make any repayments, however, interest (currently 24.99% p.a.) and fees will apply after the promotional period ends.
18 months interest free is available on Long Term Finance (LTF) for in-store purchases only until 09/03/2025. Minimum spend $2999. Minimum 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.

This calculator is intended to provide general information only and is based on the details you provide. It doesn’t take into account your personal financial situation or goals.
 

Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Standard Interest Rate, currently 24.99% p.a., applies after expiry of interest free payment holiday period. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. A minimum purchase amount may be required for certain LTF transactions depending on the Merchant/offer.

Important Notes:

  1. Any indicative repayment amounts provided by way of this calculator are indicative payments only. The payment amount is calculated by taking the Purchase amount, adding a $55 Establishment Fee or $35 Advance Fee and dividing this over the proposed interest free payment holiday period (Start-Up Interest Period).
  2. Some repayment terms are promotional only (for example 500 days no interest and no payments, or 18 months no interest and no payments) and may only be available for a limited time only.
  3. The indicative repayment amounts produced by the calculator are indicative payment amounts only which would be required relating to the Long Term Finance transaction only. The calculator does not take into account other activity/transactions on your Flight Centre Mastercard/in relation to your Account (for example if you have made other Standard Purchases, cash withdrawals, or incur other fees or charges). Please refer to the Flight Centre Mastercard Cardholder Terms and Conditions and your Statement to confirm your payment obligations, including your Minimum Payment obligations.
  4. This calculator is designed for calculating LTF repayments at Flight Centre only.

Earn Flight Centre Rewards

With everyday expenses

Use Flight Centre Mastercard for shopping, dining, groceries, & fuel.

Earn 2 Flight Centre Rewards*

For every $150 spent at Flight Centre

Earn 1 Flight Centre Reward*

For every $150 spent on Standard Purchases within New Zealand

Earn 1 Flight Centre reward*

For every $100 spent internationally online & instore~

$1 Reward

1 reward = $1 to use at Flight Centre New Zealand

A world of benefits packed into your Flight Centre Mastercard

Use your card in-store, online and overseas, including Cash Advances# from banks and ATMs wherever Mastercard is accepted.
Add additional cardholders for no extra cost, and earn Rewards* on more than one person’s spend!

Find out more.

Enjoy Contactless card payment and make contactless payments through your card and digital wallet.

Find out more.

Enjoy interest free** for up to 44 days on every Standard Purchase made in-store or online. Standard Interest Rate of 24.99% p.a. applies after the interest free period.
Mastercard Identity Check™ and microchip technology for the best security.

Flight Centre Mastercard - Your perfect travel companion

Things you should know 

*With a Flight Centre Mastercard you earn:
• 1.00 Flight Centre Reward for every NZ$150 spent 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, and
• 2.00 Flight Centre Rewards for every NZ$150 spent at Flight Centre. 1 Reward = $1 to spend at Flight Centre

~ Where Mastercard designates the merchant to be located in a country other than New Zealand.

**Lending criteria, $50 annual Account Fee, fees, exclusions and 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. New customers need to apply and be approved for a Flight Centre Mastercard credit card.

^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. Rates and fees correct as at date of publication, subject to change. Credit provided by Columbus Financial Services Ltd.

#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.

More details about fees can be found via the fees & charges page.