Central Districts were the top qualifiers from the regular season but, after they dropped the preliminary final to Auckland in New Plymouth last Saturday, were forced to put their season on the line against Otago.
With the heat on, their bowlers responded as Andrew Mathieson, the competition's leading wicket-taker, nabbed 3-52. The 25-year-old will leak his share of runs but he often finds a way to pick up wickets at crucial times.
Like Central Districts, Otago struggled early and were battling at 16-3 before Aaron Redmond (32) and Jesse Ryder (47) gave them some direction.
But when Ryder departed with the score at 95-4, things started to unravel.
A rain delay stunted the flow of the game late in the day but George Worker (3-25) cleaned up the tail with his left-arm spin as Otago were all out for 203.
CD will have an opportunity to avenge their recent defeat when they meet Auckland in Sunday's final at Colin Maiden Park.
The match will also give Central Districts the chance to farewell long-time opener How, who will retire from professional cricket at the conclusion of the Ford Trophy.
The 33-year-old made his debut for CD in the 2000-01 season and captained the side for six years during his playing tenure.