Flight Centre Mastercard is the perfect travel companion, combining the benefits of a rewards card with the added benefit of access to a range of interest-free deals.

These include;

• Earn Flight Centre Rewards on all Purchases, with double Flight Centre Rewards earned at Flight Centre New Zealand.
• Access to interest-free offers at participating merchants nationwide.

Flight Centre Rewards

• 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 on International^ Purchases online & instore
• 2.00 Flight Centre Rewards for every NZ$150 spent on a Purchase at Flight Centre New Zealand

When redeemed, every 1.00 Flight Centre Reward earned will equate to a NZ$1.00 credit towards your Flight Centre Mastercard accounts

^{^}where Mastercard designates the merchant to be located in a country other than New Zealand

• Standard Interest Rate is 24.99% p.a.
• Cash Advance Rate is 26.99% p.a.

You will need to pay at least the Minimum Payment by the Due Date as set out in your monthly statement.

There are some fees for managing your Account, including:

• Account fee - this is an annual fee of $50 applied to your account in two 6-monthly instalments ($25 upon opening your account and then $25 every 6 months thereafter).
• Establishment fee - $55 will be charged when you make your first purchase using Long Term Finance.
• Advance fee - $35 charged to your account every time you make a Long Term Finance purchase, other than when you convert a transaction into Long Term Finance or where it is your first Long Term Finance Purchase (where an Establishment Fee will be charged).

Please note fees & charges can be varied.

A Flight Centre Mastercard provides you with a specified amount of credit that you can access using your Account and/or your card. You must ensure that your total unpaid balance does not exceed your credit limit.

If you have failed to keep up with your minimum payments on your account you will be in default which can result in the following:

• Cancellation or restriction of further use of your Account and/or card.
• Requirement of immediate repayment of any unpaid balance on your Account. This includes interest accrued but not yet charged and all amounts required to repay any Fixed Instalment.
• Charging you default fees and recovery of reasonable enforcement expenses and collection costs.

You can cancel your Flight Centre Mastercard at any time as per the cardholder terms and conditions by calling us on 0800 500 450. You will still be responsible for all transactions made up until that time. The outstanding balance, including interest accrued but not yet charged, and all amounts required to repay any Fixed Instalments, will immediately become due and payable.

The Credit Contracts and Consumer Finance Act 2003 provides you with certain cancellation rights, however time limits do apply.