THINGS YOU SHOULD KNOW: *500 days interest free (“Payment Holiday”) is available on Flexi Payment Plans for in-store purchases. Not available online. Annual Account Fee of $50 applies. 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 25.99% p.a. applies to any outstanding balance at end of Payment Holiday. Lending criteria, fees, terms and conditions apply. Rate and fees are correct as at date of publication, subject to change. New Cardholder Fee applies to new Q Mastercard accounts – $55 Establishment. See qmastercard.co.nz/apply for details on Q Mastercard.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.


