Terms and Conditions

12 Months Interest Free

*12 months interest free is available on Flexi Payment Plans for online purchases only until 31 January 2017.  Minimum spend $500. Annual Account Fee of $50 applies. New Cardholder fees – $55 Establishment ($3 PPSR – Q Card only). Existing Cardholder fee – $35 Advance. 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. Standard Interest Rate, currently 25.25% p.a. applies to any outstanding balance at end of interest free period. Offer expires 31 January 2017. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.