Smart

* Flexible interest-free options with simple monthly repayments.

* NOW Rewards Visa: 6 months (min spend $200), 9 months (min spend $200), 12 months (min spend $249), 24 months (min spend $449), interest free is available on NOW Rewards Visa. NOW Rewards Visa terms and conditions, credit criteria, rates and fees (including a one-off $55 establishment fee and a $34 account fee charged 6-monthly) apply. Purchase interest rate of 26.65% p.a. applies to the outstanding balance after interest free term ends. Cash advance interest rate of 29.40% p.a. applies. Rates and fees are subject to change. NOW Dollars can be redeemed at certain Participating Retailers only. NOW Dollars cannot be earned or redeemed on long-term interest free purchases. Offer only available at samsung.com/nz. Click here for more information.

* Q Card: 12/24/36 Months Interest Free - Available on Long Term Finance (LTF) for online only. Min Spend $200/$600/$800 respectively. Lending criteria, $50 annual Account Fee, fees, T&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. Min 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. Standard Interest Rate of 28.95% p.a. applies to outstanding balance at the end of LTF Interest Free Period. Other interest rates and fees may apply, please visit www.qcard.co.nz for further details. Rates and fees subject to change. Columbus Financial Services Limited and Consumer Finance Limited reserve the right to amend, suspend or terminate the offer and these T&Cs at any time without notice.

* Afterpay: Afterpay late fees, eligibility criteria and terms & conditions apply. Purchase up to a maximum cart value of $3000 NZD. Visit www.afterpay.com/en-NZ/terms-of-service for full terms.