*No payments and no interest for 24 Months(“Payment Holiday”) is available on Flexi Payment Plans until Thursday 31st May 2018. Minimum spend $300. Annual Account Fee of $50 applies. Existing Cardholder fee – $35 Advance Fee. Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Payment Holiday period may vary depending on Cardholder’s payment cycle dates. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Offer also available on Q Mastercard. New Cardholder Fee applies to new Q Mastercard accounts – $55 Establishment. See qmastercard.co.nz/apply for details on Q Mastercard.