*No payments and no interest for 12 months (“Payment Holiday”) is available on Flexi Payment Plans for in-store purchases only. Offer is ongoing. Minimum spend $200. Annual Account Fee of $50 applies. Existing Cardholder fee – $35 Advance. 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 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. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.