*12 months interest free is available on Q Card Flexi Payment Plans. Minimum spend $5000. Annual Account Fee of $50 applies. New Cardholder fees – $55 Establishment and $3 PPSR. Existing Q Cardholder fee – $35 Advance. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout the interest free period. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period. Q Card Standard Interest Rate, currently 25.25% p.a. applies to any outstanding balance at the end of interest free period. Offer is ongoing. Q Card lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.