Galaxy M32

* Battery : Actual battery life varies by network environment, features and apps used, frequency of calls and messages, number of times charged, and many other factors.

* Network : The bandwidths supported by the device may vary depending on the region or service provider.

* User Available Memory : User memory is less than the total memory due to storage of the operating system and software used to operate the device features. Actual user memory will vary depending on the operator and may change after software upgrades are performed.

*Approved applicants only. Figures indicated include a $55 new customer advance fee however, if you are an existing Q Card or Q Mastercard holder who has used a Long-Term Finance plan before your indicative payments will be less as there is only a $35 advance fee. Fees, terms, conditions & minimum finance amount applies - $50 annual Account Fee is in addition to indicative payments (a fee of $25 applied to your Account on opening and every 6 months thereafter). Annual Account Fee must be paid in full within 55 days or it will attract interest. Minimum monthly repayment required. Interest at the Standard Interest Rate is payable on outstanding balances after the expiry of any Start-up Interest Period. The indicative repayments are only an estimate and figures should be used as an indication only. They do not represent either a quote or pre-qualification or approval. To take advantage of the Start-up Interest Free Period, the indicative monthly repayments stated would need to be made by the due date for each statement period. Therefore, you repay the purchase amount on your Q Mastercard or Q Card (as applicable) in full within the Start-up Interest Period. In this instance, the indicative monthly repayment is the finance amount divided by the Start-up Interest Period. The indicative repayments assume there are no additional purchases, cash withdrawals, fees or charges are incurred. If there is a Payment holiday in addition to the Start-up Interest Period, you will be required to make the minimum monthly payments upon expiry of such Payment Holiday.

**12/24/36 Months Interest Free - Available on Long Term Finance (LTF) for online only. Min Spend $200/$800/$1,000. 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 28.50% p.a. applies to outstanding balance at the end of LTF Interest Free Period. 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.

*Offer valid for Q Card or Q Mastercard Long Term Finance (“LTF”) purchases at www.samsung.com until 14/11/22. Payment amounts for credit back(s) are calculated by dividing the purchase price (excluding Establishment or Advance Fee) by the interest free period (for example, purchase price/36 months interest free term = Payment). 36 month interest free LTF purchase will receive 3 Payments credited back to their account, with no payments required (“Payment Holiday”) for 6 months; 24 month interest free LTF purchase will receive 2 Payments credited back to their account with a 3 month Payment Holiday; 12 month interest free LTF purchases will receive 1 Payment credited back to their account with a 12 month Payment Holiday. Payment credit back(s) will be applied to your Q Card or Q Mastercard account within 30 days of the date of purchase.

*36, 24, or 12 months interest free is available on Long Term Finance (LTF) for online purchases only. Min spend $200. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. $55 Establishment Fee applies to your first LTF transaction, $35 Advance Fee applies to subsequent LTF transactions. After applicable Payment Holiday ends, 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. At end of interest free period, Q Mastercard Expired Promotional Rate or Q Card Standard Interest Rate of 27.99% p.a. applies. Standard Interest Rate applies to Standard Purchases after 3 months interest free period ends (Q Mastercard 26.69% p.a. and Q Card 27.99% p.a.). 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 Ts&Cs at any time without notice. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.