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Terms & Conditions

Finance offer

Lending criteria, fees, terms and conditions apply.

Minimum finance amount for Gem Visa/Creditline and Q Card/Q Mastercard is $500 for new and existing customers. Offer available in-store to approved applicants only from 26th September 2019 – 31st January 2020.


Establishment fees & monthly payments

Gem Visa $55 establishment fee and $52 annual account fee apply. 

A $55 Establishment Fee for new Q Mastercard customers and a $35 Advance Fee for existing Q/ CardQ Mastercard holders will apply, along with a $50 annual account fee. Minimum payment of 3% of monthly closing balance or $10 for Q Card/Q Mastercard holders and $20 for Gem Visa/Creditline holders (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.

No interest for 24 months.

Prevailing interest rates (Gem 25.99%, CreditLine 29.95% and Q Card 25.99%) will apply to any balance outstanding on the expiry of the 24 months interest free promotional period. Gem Visa and CreditLine are provided by Latitude Financial Services Limited. Q Card is provided by Consumer Finance Limited (CFL).


Mitre 10’s standard terms & conditions of purchase otherwise apply.

Interest free offers are not available with any purchase using our Mitre 10 Gift Card, including part payments. Excludes installation.


Interest free offers available in-store only and not available with online purchases.